Okay, I recently purchased a new auto loan. Before applying for the loan I pulled my credit reports from Experian, Transunion and Equifax. I use a paid monitoring service offered by Experian called Credit Check Total. It offers all 3 reports and Fico 8 scores. My Experian score is 686, Transunion score is 673 and Equifax is 679. Okay, pretty close I guess. However, when I checked my Transunion and Equifax accounts and credit scores on Credit Karma (Experian not avail) I was surprised to find out that Credit Karma uses Transunion’s Vantage Score 3.0 and my Transunion and Equifax credit scores aren’t remotely close to the Experian Fico 8 scores (Transunion 575 and Equifax 580) what’s the deal? I can understand 10/20 point spread difference but not a 98/99 point difference. I have no late payments, no collections, no derogatory and only 2 inquires, both Credit Check Total and Credit Karma reports the exact same account information so why the big drop in score? I was smart to check which lender used Experian and I was able to get financed with a great interest rate, had I not checked the scores, I could have been ripped off because of the difference in scoring models.

Score Comparison

Non-FICO Credit Score


575 from Transunion

Obtained from Credit Karma


686 from Experian

Obtained from Credit Check Total, an Experian Credit Monitoring Website