Yes. That makes a huge difference. Credit Karma scores are not FICO, they are of the Vantage 3 model and weigh various aspects of your credit profile much differently. Vantage and FICO scores can differ by as much as +/- 100 points in some cases.
FICO is the model majority of lenders use to make credit decisions. Vantage is used by very, very few.
There are 28 different versions of your FICO score, with FICO 8 being the most common today.
Mortgage lenders will use one of your 3 mortgage scores : FICO Score 2, FICO Score 4, and FICO Score 5. The mortgage lender will use your "middle score" - which means they throw out the lowest and the highest and use the one in between. So you need to know all 3 to figure out where you stand.
Unfortunately, mortgage scores are not available to consumers for free, and the only place to view and track them is by signing up at myFico.com. myFICO will provide you with all 28 versions of your FICO scores.
FICO is the model majority of lenders use to make credit decisions. Vantage is used by very, very few.
There are 28 different versions of your FICO score, with FICO 8 being the most common today.
Mortgage lenders will use one of your 3 mortgage scores : FICO Score 2, FICO Score 4, and FICO Score 5. The mortgage lender will use your "middle score" - which means they throw out the lowest and the highest and use the one in between. So you need to know all 3 to figure out where you stand.
Unfortunately, mortgage scores are not available to consumers for free, and the only place to view and track them is by signing up at myFico.com. myFICO will provide you with all 28 versions of your FICO scores.
Checking your own scores will never affect your credit.. So no worries there.
On the other side of this forum is myFICO.com (https://www.myfico.com/home_a)
Register and pull a 3-Bureau credit report. You'll need to pick a subscription plan - they range from $29.95 to $39.95 / month depending on the frequency you want the reports updated. Don't pick the $19.95 plan because that will only give scores for one bureau - you need scores for all 3 bureaus.
On the other side of this forum is myFICO.com (https://www.myfico.com/home_a)
Register and pull a 3-Bureau credit report. You'll need to pick a subscription plan - they range from $29.95 to $39.95 / month depending on the frequency you want the reports updated. Don't pick the $19.95 plan because that will only give scores for one bureau - you need scores for all 3 bureaus.
@AllZero wrote:
You want to be under 8.9% reported aggregate utilization.
0% utilization, you'll receive penalty points.
Greater than 8.9%, you'll receive penalty points.
50% or more of your cards reporting a balance, you'll receive penalty points.
"I opened a secured credit card 18 months ago. This is my first and only card."
The OP only has 1 card.
Welcome, @Anonymous. 
FICO scores penalize you for having a balance of zero across all cards. It's significant enough that you'll want to avoid this when applying for important credit. If you encounter the "all cards at zero" penalty at other times, it's no big deal as your score will bounce back once a small balance is reported.
With multiple cards, you'll want to leave a small balance (at least $5, but not much more) on one card. With a single card, you'll want to leave a small balance on that one card.
You don't want to go below $5 unless you know your card will report balances less than that. Most banks will forgive tiny balances rather than bothering to bill you. When that happens, they'll report zero.
With a single card with a $200 limit, I'd try to cut your statement between $5 and $8. Which card do you have? Depending on the bank, a balance a little below $5 might be fine.