Credit Card Center Advertiser Disclosure

Posts: 12
Registered: ‎11-06-2014
0 Kudos

Accurate Credit Scores

Who is more accurate for credit scores, Credit Karma or My Fico? I have both and the one from Credit Karma is lower than My Fico. 

Established Contributor
Posts: 892
Registered: ‎02-23-2017

Re: Accurate Credit Scores

They're both "accurate." But Credit Karma uses the VantageScore scoring model, which isn't widely used. myFICO provides FICO scores. Almost all lenders use some flavor of FICO.


Credit Karma provides great TransUnion and Equifax reports, so definitely use it for that feature. However, it breaks average age of account by failing to include closed accounts in its computation. (Both FICO and VantageScore include closed accounts.)

Community Leader
Senior Contributor
Posts: 4,754
Registered: ‎07-17-2014
0 Kudos

Re: Accurate Credit Scores

Pretty much any score you get from any third-party (a free score that comes with your credit card, scores from myFICO, scores from Karma, from, from Credit Check Total, etc.). is accurate. 


For example,if you pull your Vantage 3.0 scores from Karma for EQ and TU on April 21, then those really were your Vantage Scores based on EQ and TU data on April 21.


Likewise if you pulled your three FICO 8 Classic scores on April 26 using Credit Check Total, those really would be your FICO 8 Classic scores based on CRA data from April 26.


In other words, the third party tool is accurately giving you the score it promised to give you. 


What you may mean is this: is the model that Karma uses (Vantage) more likely to be one a prospective lender or CC issuer would look at, or would they be more likely looking at one of the dozens of FICO scores you get from myFICO?


The answer is that FICO scores are more likely to be used.  Which FICO score drawn on which bureau is much harder to know.


But you are likely asking something even deeper, which is: What is the best set of tools for me to monitor my credit, given my particular needs?  And Credit Karma might be an important part of the solution for you -- or not.  It depends on what you are trying to accomplish, how much money you like spending on this stuff, etc.


It's like asking "Which car is best?"  Well, that depends....


If you tell us more about your situation, people may be able to advise you better.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.