CK is Vantage. The other is FICO which matters the most. Some report up to 100 point difference in the two. But CK beats out all the services when it comes to alerts on your file. So there is a good side to them. Scores not so much.
@virgo wrote:Say credit karma has my TransUnion score at 506 when it is actually 579
Although I use CK the most out of several sites, I have to say they're VERY prone to incorrect information. So I'm not at all suprised at what you're seeing. For me, they're generally right on target with my scores, but this kind of inaccuracy doesn't surprise me.
Right now, and for the past month or two, their Equifax figures have been grossly incorrect--although Equifax itself has the correct info. In other words, logging in directly to my Equifax account shows the correct figures, but on CK the Equifax info is wrong. On CK, they're showing my total credit as some $25,000 LOWER than it really is, and they also show my total balance about $1,000 lower than it is, both of which yield an incorrect overall usage percentage. Ironically, if I manually add up all of the CLs and balances for each account they list, THOSE numbers are correct. Go figure!
Another great example of how inaccurate CK can be is their 'how much can I afford' calculator for buying a house. It's UNBELIEVABLY screwed up!! 
