FICO Score Confussion

[Anonymous]

I have been using CCT for credit monitoring and often times will pop in to CKarma to use just as a guide.  My CK shows me at 568 TU.  I just got approved for a $2,000 Cash Rewards CC with NFCU.  They sent me my credit score from TU stating it was 647?  That is a HUGE disparagy.  Is the one from NFCU more accurate? 

[Anonymous]

If by "accurate" you mean more likely to actually be used by a creditor the answer is yes. That said, all scores are "accurate" as it relates to the model used.