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VanGo3369

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Why is the score on the denial letter different from my credit karma score?
I applied for a Kohl's card and was denied stating no revolving accounts. The score provided is 66 points higher that my CK score...which is my REAL score, and why is it different?

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The purpose of Credit Karma is to TEACH how credit works and none of the information generated from CK is sent to anyone,  It is strictly for your information.The score used by Kohl's is calculated by thier method.  There is no single credit score as you will learn if you take the time to read the articles here.

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CK is NOT your "real score". You need to do some reading. There are many different kinds of credit scores. Most lenders use a version of FICO scores, you get Vantage scores here. You need to start out with a Secured credit card, so look for one of them from a lenient lender that reports to all three credit bureaus.

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