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bschalit

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Why the discrepancy between Credit Karma and Equifax?

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Different scoring models.  Always carefully consider not only the CRA but the specific scoring model used.  Different scoring models evaluate report data differently and can even have different scoring ranges.  Credit Karma provides a TransUnion and an Equifax VantageScore 3.0.  Equifax provides an older FICO model -- 4 if I recall correctly -- or an Equifax proprietary score depending on the specific product that you purchase from Equifax.

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