The credit scores and reports you see on Credit Karma come from TransUnion and Equifax, two of the three main consumer credit bureaus.
Credit Karma isn’t a credit bureau or a credit-reporting agency. This means that creditors don’t directly report information to us. Instead, we’ll provide your VantageScore 3.0 credit scores from TransUnion and Equifax. This is why we’ll ask for your SSN when you sign up for a Credit Karma account, so we can match you up to what the bureaus have on file.
Check out the Credit Karma guide to free scores if you’d like to learn more.
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