Home › Credit › Free credit score services › Credit Karma vs Experian (free)
Both show a free credit score, but the model and bureau can differ, so the numbers may not match. Here's what each says on its own page.
| Credit Karma | Experian (free) | |
|---|---|---|
| Score model | VantageScore 3.0 | FICO Score 8 |
| Bureau data | Equifax and TransUnion | Experian |
| Cost | Free | Free |
| Credit report included | Yes (Equifax and TransUnion) | Yes (Experian) |
| How often it updates | not found | Daily (per Experian) |
| Who can use it | not found | not found |
Sources: Credit Karma page (checked 2026-10-12) · Experian (free) page (checked 2026-10-12)
More on Credit Karma · More on Experian (free) · All free credit score services
Score model: Credit Karma VantageScore 3.0, Experian (free) FICO Score 8; Bureau data: Credit Karma Equifax and TransUnion, Experian (free) Experian; Cost: Credit Karma Free, Experian (free) Free; Credit report included: Credit Karma Yes (Equifax and TransUnion), Experian (free) Yes (Experian); How often it updates: Credit Karma not found, Experian (free) Daily (per Experian); Who can use it: Credit Karma not found, Experian (free) not found.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.