The Karma Credit Scores Are Accessible For Free And Can Be Obtained From The Credit Karma Website.

Your vantagescore® 3.0 on credit karma will likely be. Consequently, when lenders check your fico credit score, whether based on credit report data from equifax, experian, or transunion, they will likely use the fico 8 scoring model. Vantagescore model 3.0 is used for other credit services like , chase journey, etc.

A Different Version For Each Bureau (Equifax, Experian, & Transunion).

Without asking for any money at all, credit karma gets your credit score from two of the three major credit bureaus, transunion and equifax. They not only weigh the information on your. Discover gives you your fico 08 bankcard enhanced version based on the transunion.

The Score Range For Credit Karma's Credit Score Is Between 300 And 850.

They do this using vantagescore 3.0. Although ranges vary depending on the credit scoring model, generally credit scores from 580 to 669 are considered fair; Mortgage lenders use fico 2, 4, & 5;

The Score Range For Credit Karma's Credit.

They are simply 2 different scoring models, the same way an apple is different from an orange and a corvette is different. Credit karma does not provide fico scores, they are of a different scoring model cslled vantage 3. 3 fico scores are calculated based on information included in consumer credit.

John S Kiernan, Managing Editorfeb 6, 2016.

The reason being is a $1,000 credit card is much less risk than a $200,000+ mortgage. Credit karma’s vantagescore is not inherently higher than a fico credit score. Even so, when you look at the score reported by credit karma, it’s actually a “following function”, meaning there’s a 1.5 month to 2.5 month lag in the reporting of the value, compared to the.