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Your scoring rate
When I bought my car the dealership personel told me credit karma scores are never correct. The credit score is always lower than what credit karma reports. Why is that?

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Whenever you obtain a credit score, you MUST look to see what kind of score it is. Here on Credit Karma you get Vantage scores. Most lenders use a version of FICO scores. Do some reading about the different scoring systems for credit and the many different versions of each system.

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