What TransUnion score does credit karma use?

On Credit Karma, you’ll see credit scores and reports from Equifax and TransUnion, both using the VantageScore 3.0 scoring model.

Why is my credit score lower on Credit Karma than Experian?

This is mainly because of two reasons: For one, lenders may pull your credit from different credit bureaus, whether it is Experian, Equifax or TransUnion. Your score can then differ based on what bureau your credit report is pulled from since they don’t all receive the same information about your credit accounts.

Are the credit scores on Credit Karma accurate?

The credit scores and reports you see on Credit Karma should accurately reflect your credit information as reported by those bureaus. The scores we provide are actual credit scores pulled from two of the major consumer credit bureaus, not just estimates of your credit rating.

How much does everything on Credit Karma cost?

Everything on Credit Karma is free if you sign up for its membership. Credit Karma is a user-friendly website that offers free Vantage 3.0 scores from TransUnion and Equifax. Experian offers free access to credit scores and credit reports through various free product suites, as well as paid score and report options.

Does Credit Karma use FICO or VantageScore?

Your FICO Score May Differ Credit Karma uses two of the three major credit bureaus and scores your creditworthiness according to the widely-used (but not quite as widely used as FICO) VantageScore system. Your score should be within the same range as everywhere else, including the major credit bureaus and its many competitors.

Why is my TransUnion score different from my Equifax score?

So, it’s possible that Equifax and TransUnion could have different credit information on your reports, which could lead to your TransUnion score differing from your Equifax score. You may be seeing scores from different dates.