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Lots of apps show a free credit score, but they don't all show the same score. Some show a FICO Score (the kind most lenders use), others a VantageScore, and each one draws on one credit bureau's file. Checking your own score never lowers it. Here's what each free service says it gives you.
Credit Karma says it isn't a credit bureau and doesn't provide FICO Scores.
Source: Credit Karma page (checked 2026-10-12)
Here are the facts we could confirm on Credit Karma's own page (2026-10-12): score model: VantageScore 3.0; bureau data: Equifax and TransUnion; cost: Free; credit report included: Yes (Equifax and TransUnion); how often it updates: not found; who can use it: not found. Whether it's good for you depends on what you need; compare it with the alternatives listed.
From Credit Karma page (checked 2026-10-12). “not found” means the page didn't state it.
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