The score you see in Credit Karma is basically just a guideline for you as a consumer.
When you apply for a loan, the lender will pull all of your "raw" data from the credit rating agencies it works with, and then it will run its own algorithms to determine if you meet their risk threshold.
Natural_Broccoli2936 t1_iuhrykf wrote
Reply to How accurate is Credit Karma by CASTePhYRusIO
The score you see in Credit Karma is basically just a guideline for you as a consumer.
When you apply for a loan, the lender will pull all of your "raw" data from the credit rating agencies it works with, and then it will run its own algorithms to determine if you meet their risk threshold.