Confused - same credit bureau, different scores.

Hello. Credit Karma is a company that sells your information to the credit card card companies. They use a total different credit scoring than any mortgage company. All mortgage companies use the middle credit score from Equifax, Experian and Transunion. I'm happy to help you if you have more direct questions.

Each lender updates their files at different times.. Also, not every item is on every credit report. But the biggest reason is that each one has a different scoring model. Each one gives a different weight to what is good and what is bad. Another problem is when you apply for a credit card, the credit score is based on the likelihood of you defaulting on a credit card.. but when you apply for a car loan, then it's a different model.. it's a model based on the likelihood of you defaulting on a car.. but when you want to see what your scores are. .then it's a completely different model.. and those model's are typically more generous, and don't actually reflect your true scores. So my guess is that your bank had the lowest score.. and Credit Karma had the highest.. Regardless, Lenders only use Transunion, Equifax, and Experian. We run all 3 and use the middle score for loan pricing.. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com NMLS# 226347 / MKS Lending LLC DBA Trusted Lending Center, NMLS 1018196 / AZMB 1414920