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isdr

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y is credit karma's credit score 40 points higher then anywhere else i check?

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You have to pay attention to what scoring model is being used. Credit Karma uses Vantage, check and see what is used at the other places you get your scores. Fico scores are king, but you won't find them for free anywhere. There are also many different versions of Fico scores. Scores can also vary between credit bureaus.

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