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joneseb1

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Why is the Credit Karma credit score significantly different than your FICO credit score?
After logging into Credit Karma and noticing my credit score dropped 81 points. This prompted me to go ahead and pay to get my actual FICO credit score. It was 130 points higher than what Credit Karma is reporting. With that being said Credit Karma IS NOT a good way to monitor your credit unless you want a heart attack.

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FICO computes credit scores one way and the scores here are computed using the Vantage 3 method.  There are numerous different ways to compute credit scores and no particular one is either right or wrong.  Besides, the purpose of Credit Karma is to teach how credit works and how to improve one's score.  The scores here are just fine for the interactive financial tools provided on this site.

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