Based on my own experience and seeing my scores on Credit Karma vs FICO score I've noticed a huge discrepancy and view them as unreliable. My actual score is between 99 and 111 points lower using FICO. I can only presume that they are posting higher scores to illicit applications for the credit and services they promote to potential customers that would otherwise not apply. In fact they don't even acknowledge the Experian score's impact on overall score or how much it is used to determine revolving credit acceptance. It's at best a manipulative untrustworthy service and I'm disappointed in TurboTax for its relationship with Credit Karma. I will no longer be using TurboTax services in the future.
