Living_Grandma_7633 t1_iug5z47 wrote on October 31, 2022 at 1:50 AM

Credit karma uses a vantage score and its basically worthless when applying for credit or a loan. Do not rely on them. Rely on the 3 (i repeat 3) credit reporting bureaus

Cruian t1_iugcpdn wrote on October 31, 2022 at 2:43 AM

>Rely on the 3 (i repeat 3) credit reporting bureaus

I believe even Equifax and TransUnion push Vantage Scores for their (at least free) accounts. Experian provides FICO 8 for their free account, but even that won't be much use for determining mortgage eligibility.

Living_Grandma_7633 t1_iugdkwo wrote on October 31, 2022 at 2:50 AM

Or any credit lines. Companies run credit reports.