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smitty198888

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your reporting scores
your credit score reporting is way higher than an acual report

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Credit Karma Team
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Hi smitty,

The scores we provide are calculated by the credit bureaus that maintain your reports. Our scores are calculated using the VantageScore 3.0. It's important to keep in mind that there are actually hundreds of different scoring models that banks and other lenders can use to evaluate your credit. Learn more here: https://www.creditkarma.com/article/differentscores

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