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Why is the score I got from my bank different from the scores I see on Credit Karma?

The scores that you see on Credit Karma are VantageScore 3.0 credit scores directly from TransUnion and Equifax.

There are many scoring models and credit scores out there — no single model or score is used by all lenders at all times. There are a few reasons why you might have different credit scores. Here are some of the most common reasons:

  1. Scores are from different dates. Since your scores might change at any time, it’s important to compare credit scores from the same date.
  2. Scores are calculated using different scoring models. Keep in mind, there are dozens of credit scoring models out there that may calculate your score a little differently.
  3. Scores are calculated using different credit reports. Some lenders report to all three major credit agencies, but others report to only one or two. This means a credit agency may be missing information that helps or hurts your score.

If there are so many scores, what should I focus on?
Though your scores may vary, they’re all based on information in your credit reports — so focusing on the information and key factors in your reports could help you build your credit overall. Our article breaks down what matters.

How to compare the scores on Credit Karma
We show you two scores and reports that use the same credit model, VantageScore 3.0. The scores and reports come from two of the three major consumer credit bureaus, TransUnion and Equifax. It’s important to double-check that your info is right. Both scores may not be exactly the same, but they should include your correct information. Here’s an article from the Consumer Financial Protection Bureau about common credit report errors that you should look for in your reports.

If the two scores that you see on Credit Karma are very different, or changed dramatically in a short amount of time, you should investigate what’s going on. A good place to start is to make sure that your credit information at both bureaus is the same.

Double check to make sure that the following is correct:

  • The loans, credit cards and accounts on each credit report
  • The payment dates for each account
  • Balances reported. Though, your balances reported may be slightly different since banks often report their balances to different bureaus at different times.

If you do compare scores from the same credit model, make sure they were last updated on the same date. Credit bureaus sometimes take a while to receive up-to-date information from your lenders and your scores may not change as quickly as you’d expect. 

For more on this topic, check out our article about understanding why credit scores differ between credit reporting agencies. 

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