Home › Credit › Free credit score services › Credit Karma vs myFICO Free Plan
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 | myFICO Free Plan | |
|---|---|---|
| Score model | VantageScore 3.0 | FICO Score 8 |
| Bureau data | Equifax and TransUnion | Equifax |
| Cost | Free | $0 |
| Credit report included | Yes (Equifax and TransUnion) | Yes (Equifax, monthly) |
| How often it updates | not found | Monthly |
| Who can use it | not found | not found |
Sources: Credit Karma page (checked 2026-10-12) · myFICO Free Plan page (checked 2026-10-12)
More on Credit Karma · More on myFICO Free Plan · All free credit score services
Score model: Credit Karma VantageScore 3.0, myFICO Free Plan FICO Score 8; Bureau data: Credit Karma Equifax and TransUnion, myFICO Free Plan Equifax; Cost: Credit Karma Free, myFICO Free Plan $0; Credit report included: Credit Karma Yes (Equifax and TransUnion), myFICO Free Plan Yes (Equifax, monthly); How often it updates: Credit Karma not found, myFICO Free Plan Monthly; Who can use it: Credit Karma not found, myFICO Free Plan 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.