MichelleC1026 wrote:I accessed my 3 most recent reports from their respective places and my scores are higher than what credit karma reveals even though they claim to be updated. I'm not sure I trust their "updates".
You can't rely on a score generated by one model to determine a score generated by a different model. You should expect different algorithms to produce different results. As stated above CK uses VantageScore 3.0. If you're comparing that to any other score then there will obviously be differences. As with any comparison you need to understand the two things you're comparing. Most creditors use a FICO model but even the FICO models can vary in the numbers generated.
CK is certainly a useful resource for monitoring your TU and EQ reports as they offer access at no cost with weekly updates. The VantageScores are only of use if you have creditors that use that specific scoring model.
If you got reports and scores from the CRA's you need to keep in mind that, IIRC, Experian is the only one offering a FICO and it is specifically a FICO 8. While many creditors use the FICO 8 model, not all do. AFAIK EQ and TU do not provide FICO's but you need to verify this. Be very careful relying on numbers and make sure you understand the CRA and model behind the numbers you're referring to.