Does Credit Karma Affect Your Credit Score?

There are several reasons why your Credit Karma credit score may differ from what you see on other services.

There is a delay in reporting

Credit scores can be updated at different times, so your credit report may experience a lag depending on when creditors report your payments. There are also lenders who only report to certain credit bureaus instead of all three. Some creditors may report faster than others, causing your credit score to change in response, even if it’s only temporary.

Credit scoring model varies

Different credit reporting agencies may use different scoring models, affecting how your credit score is calculated. This is one of the reasons why credit scores can vary so significantly. A model can prioritize certain facets of your credit over others, such as late payments or your debt-to-income ratio.

Credit Karma, on the other hand, does not use the popular FICO® score for your credit.

Instead, it uses the Vantage 3.0 credit score based on reports from TransUnion and Equifax.

It is a mistake

Most of the credit scores you see on Credit Karma reflect the latest available information provided by the credit bureaus. However, errors do occasionally occur and can negatively impact your credit report. That’s why it’s so important to monitor your credit report, so you know if there are any inaccuracies that need to be corrected.

To help, Credit Karma offers its Direct Dispute tool so you can easily appeal for the removal of inaccurate information.