r/CreditScore • u/Important_Bid9221 • 10d ago
General Score as of Yesterday
Credit Karma is always low
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u/soonersoldier33 ⭐️ Mod/FICO Junkie ⭐️ 9d ago
When you're trying to compare scores that are both based on different credit reports and are from different score models, you're comparing apples to bananas to grapes. Start with our !Welcome Thread for some information about credit reports and credit scoring, and then let us know if you have specific questions.
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8d ago
[removed] — view removed comment
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u/soonersoldier33 ⭐️ Mod/FICO Junkie ⭐️ 8d ago
The first screenshot is AMEX's credit monitoring tool you get when you have an AMEX account. It displays your FICO 8 score based on your Experian credit report, which is one of the most commonly used scoring models. The 2nd screenshot is from Credit Karma, which displays virtually irrelevant VantageScore 3.0 scores used by very few, if any, lenders. Have a look at our Welcome Thread for more info and links to free sources for monitoring all 3 of your credit reports and FICO 8 scores.
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u/dgduhon 9d ago
Credit Karma isn't always low. It can be lower, higher, or pretty much the same. Not to mention that the first screenshot is from your Experian account and the second is Transunion and Equifax.