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Dirtbike79

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Why is the score not accurate it gives you a higher score than what it really is
Would like to get an accurate score feeling mislead

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Get your FICO scores, just remember that there are different versions of FICO.

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Credit Karma is here to teach about credit, which it does quite well.  Credit scores are calculated differently, depending on how t he company uses them.  For educational purposes, both the Transunion and Equifax scores are calculated here using the Vantage 3 method.  Each of those credit bureaus calculates their score by another method, which is why the difference.  The scores here are free, and are used for educational purposes only.  If you want the precise scores of different credit bureaus, you may have to pay a fee to get them.. I've found the scores here to work out just fine for me.

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