kcm7 wrote:All of them are. Citi and Discover are giving you FICO scores.
Don't rely on oversimplications when it comes to scores such as "real", "fake", "right", "accurate", etc. There are a number of scoring models used by creditors to make credit decisions. The score that matters is whatever score a given creditor happens to use. if you're applying to Creditor X and they use the A model based on CRA 1 then that's all that matters. The B model score based on CRA 2 used by creditor Y isn't going to be relevant to Creditor X. Consider relevance of a given score.
Not only is there not just one scoring model but there are 3 CRA's and for most models you will have a score with each CRA.
I'd actually recommend reading up and learning to assess your own reports versus obsessing over the numbers. You won't know exactly what number a given creditor might pull for you but any score is generated based on the data in a report. Good reports will lead to good scores.
kcm7 wrote:Karma is giving you your TransUnion "educational" score.
This is outdated. CK used to provide the TU New Account score which was educational. They switched a while back to VantageScore 3.0 which is allegedly used by some creditors in making credit decisions. I have yet to find anything that indicates who does though.
GoCreditGo! wrote:Discover, Citi, etc all report my credit as in the 770+
Discover provides a FICO 8 based on TransUnion.
Citi provides a FICO 8 Bankcard (not the same as FICO 8) based on Equifax.