Why are my reports on Credit Karma and Equifax different?

[Anonymous]

Some of the accounts showing on my Credit Karma are not showing when I go to the official myEquifax website to dispute it.  

There are 7 old charged off accounts that show on Credit Karma but only 3 that show on Equifax.  One collection shows on Credit Karma while there are no collections showing on myEquifax.

I'm super confused...   Credit Karma was pulled yesterday the other was pulled today.  I do have some type of block on Equifax though..

Also Equifax report is reporting my Auto lease as closed and only shows I ever made one payment.   I have two more years of payments. 

[Girlzilla88]

They show different because they are reporting Different Scores....CK is Vantage, Equifax is showing FICO ....Go off your FICO very little places go off Vantage scores which is why a lot of people refer to CK as FAKO scores lol

[randomguy1]

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@Girlzilla88 wrote:

They show different because they are reporting Different Scores....CK is Vantage, Equifax is showing FICO ....Go off your FICO very little places go off Vantage scores which is why a lot of people refer to CK as FAKO scores lol

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The Equifax is not a FICO score. They use their own model now as per verbiage:

"The Equifax® Credit Score and 3-Bureau credit scores are each based on the Equifax Credit Score model, but calculated using the information in your Equifax, Experian and TransUnion credit files. Third parties use many different types of credit scores and will not use the Equifax Credit Score or Equifax 3-Bureau credit scores to assess your creditworthiness."

[Anonymous]

The OP never asked about his scores. They are asking about the specific accounts on the report. That has nothing to do with Vantage or FICO.

Make sure you clicked the "Equifax" tab on Credit Karma. Otherwise you are looking at the TransUnion report. It is not uncommon for the TransUnion report to have accounts or data that is different from the Equifax report. 

Also gwt your report from annualcreditreport.com

Compare it to the myEquifax report. I noticed from my own reports even though they are both direct form Equifax the myEquifax report is not as thorough as the annual credit report. There is missing data and on several accounts. I have not seen any accounts completely missing though.