Fico/fako score questions

[bournesto33]

First time posting I am glad I stumbled upon this site.

I currently use USAA credit monitoring, credit karma, and I get a free score from my credit card.  My questions is that I have another child on the way and I need to get a larger car.  I haven't been late on my current car but I have had credit issues in the past.  After a couple of years of making the right choices my fico went from 520 for a 610.  That is through USAA, but my credit karma is 572.   My credit card has me at a 565 so I am confused which score is more accurate.  

I dont know if it is worth it at this point, mind you this is my transunion, my usaa equifax is 665 and experian 642.  Is it normal for them to be so far apart?

[Anonymous]

CK is a FAKO score, so is USAA.  What CC are you referring to?  Some do offer FICO scores.

Yes, even a FAKO score can vary across each CRA.  Each one has different ways of scoring and each site you get them from does things differently.

FICO scores can also vary depeding on the model/version used.

[bournesto33]

credit one...

[Anonymous]

I am fairly certain that is not a FICO either.