I don't know how Creditkarma.com calculates their scores, but they did change their scoring range in the last year to be in line with the proper ranges for FICO scores. My Creditkarma.com score was only one point higher than my Equifax score, as retrieved from myFico.com. I don't want to vouch for them entirely, but maybe they're not as far off as they used to be.
((Does Creditkarma actually pull credit reports from all 3, just TU, or none when scoring credit? I wonder if it can be used for bumpage. ))
what is bumpage and how dose it work?