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Frequently Asked Questions

How accurate is the credit score you see on Credit Karma?

Overall, your Credit Karma score is an accurate metric that will help you monitor your credit - but it might not match the FICO scores a lender looks at before giving you a loan. For a more complete picture of your credit, you can order your FICO scores at

Which credit score does Credit Karma use?

Karma Offers VantageScore 3.0: Credit Karma uses the VantageScore 3.0 credit score based on your TransUnion and Equifax credit reports. That is why you see two different scores on your account.

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