Credit Karma uses TransUnion for their credit scores. Since all scoring models are not the same, my score may have changed in different ways with the other two major credit bureaus, Equifax and Experian. I think it’s also important to stress that you can do exactly as I did to a “T,” but your score still may not change in the exact same manner. Everyone’s score is affected in different ways, even though you may be taking the exact same actions. Sound confusing? Don’t worry, it is. Here are some examples on how this can happen:
That being said, I’ve heard many people say they’ve tested them all out and they don’t match. I’m not sure why, maybe these companies are lagging behind in getting their scoring numbers. In any case, I usually tell my clients to test out the free ones if they like, but in my opinion it’s easiest to just pay for a one-month subscription for both Equifax and TransUnion, then cancel those subscriptions before they renew (and yes, this is what I do personally as well). This way you get your most accurate score within minutes plus it includes your credit report and suggestions on how to improve your scores too.
×