Is credit karma accurate with loans. Dec 18, 2023 · Did you recently get your credit score from Credit Karma? You may be wondering if it’s accurate or if lenders actually use it to make lending decisions. The accuracy of the scores depends on the accuracy of the information provided to them by lenders and creditors. Jul 14, 2024 · Your Credit Karma credit score is accurate as it is pulled directly from TransUnion and Equifax which are two of the tree reporting bureaus. Aug 28, 2025 · With its personal loan marketplace, Credit Karma can help you compare personal loans from many different lenders at once, so you can make a more informed decision. As others have said Credit Karma is perfectly accurate but it is showing you VantageScore 3. Or you may have noticed discrepancies in your two scores on Credit Karma. 0 from TransUnion and Equifax, which gives you a good sense of your credit health. The scores and reports you see on Credit Karma come directly from TransUnion and Equifax. In some cases, the scores are close. com Sep 5, 2025 · Credit Karma offers free credit scores. May 19, 2024 · which is more accurate? CK/CS, wallethub or the Experian app? : r/CRedit . Aug 12, 2025 · Is Credit Karma accurate? Learn what it really shows, how it compares to FICO, and what to do if errors are ruining your credit score and your life. Apr 2, 2025 · Credit Karma shows your VantageScore 3. But most lenders use FICO scores when reviewing credit card or loan applications. 6 days ago · Your Credit Karma Approval Odds can help you find a credit card or personal loan that fits your credit. Read on to learn more. You have 3 different credit bureaus (Experian, Equifax, TransUnion) and each of them furnish a number of different FICO scores, for things like mortgages, auto loans See full list on investopedia. It's also important to note however that not all FICO scores are the same. . You can check your credit report to ensure the information is accurate. But like other Approval Odds, it's not a guarantee of approval. That means your Credit Karma score might be slightly different from what a lender sees. Learn more about how Approval Odds work. Aug 8, 2025 · Is Credit Karma safe and good for your finances? Our expert review analyzes its features and pros and cons to help you decide. In this guide, you will Mar 11, 2024 · Is credit karma accurate? Here's what you need to know about credit karma and whether or not you can depend on its credit report. Feb 26, 2024 · What does outstanding odds mean on Credit Karma? If you see an Outstanding badge on Intuit Credit Karma on an offer for a credit card or a personal loan, that indicates that Credit Karma has determined you satisfy certain criteria used by the lender to qualify for the particular offer. 0, which is different from the FICO scores most lenders use. This doesn’t mean Credit Jan 13, 2025 · 2025 Credit Karma review, from a user, evaluating the free credit scores & reports, costs, is it worth it, pros & cons, safety, & competitors. Although Credit Karma is a free tool that can be beneficial, you should understand how it works and if the credit scores provided are useful. In others, the gap can be significant. ajben qksx ccdmf xuol vrxcq ehua oics altip vqgwkd rsmt