Why is my Experian® score higher than Credit Karma?

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  • July 30, 2023 at 9:17 am #9945
    Geoff Massanek
    Moderator
    July 30, 2023 at 9:26 am #9972
    Team StellarFi
    Keymaster

    Credit Karma is a financial service provider. It does not calculate credit scores. Experian® is a credit bureau that compiles your credit reports based on the information reported to them by various lenders. Your credit score is calculated based on this information using a scoring model like FICO® or VantageScore®.

    The score you see on Credit Karma is based on the information in your credit reports from Equifax® and TransUnion®. These scores are based on the VantageScore 3.0 model. If you see a higher Experian score, it is most likely because Experian may have information from sources different from TransUnion and Equifax. Not all lenders report to all credit bureaus, as they may report to just one, or even none at all. So if you have a higher Experian score, it may be because the information updated there has a higher score value.

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StellarFinance, Inc. and its affiliates do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction.

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