You are fallen into the trap of thinking YOU have a credit SCORE. its neither of those

SCORE: A score is NOT somthing you have. it something the lenders calculatre. there are tons different method from different companies. Taht has different versions and again have multiple sub catagories for different purpose. aka the one use for mortgage is not the same for a CC. t

Creditkarma uses vantaga. most bankes uses fico. so some difference in the results are going to be there and the go of transuinon an equifax. the bank might be using Experian.

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YOURS: its not yours. its the bank evaluation on you and they can add/remove any part of the scoring model like the want. even if you have a near perfect 820 with nothing bad on it nothing stops a bank for say.g "no more than 5 creditcard applications the last 2 years" (chase does this)

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So to sum it up. Your perception of what is going on is misleading you and you are asking the wrong question.

Creditkarmas score is 100% accurate. for the model they used on the agencies they use. is just not what you bank use.

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think of it this way, if you ask friend 1 about your new girl and ask friend 2 about your new girl. they are not going to say the same. it does not mean one is more inaccurate than the other

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The lender should inform you of what agency and scoring model they use.