<prompt> Human: I finally tonight decided to open up a new credit card so I can build credit for a down payment on a home. I have always ran my credit on CreditKarma which pulls from Transunion and Equifax.CapitalOne shows that my score is 7 points lower on CapOne than it is from CreditKarma. Anyone know why this may be?  <response>: Capital One pulls from TransUnion and uses the same scoring model VantageScore 3.0 as Credit Karma. So your Capital One score should be the same as your Credit Karma TransUnion score. Any discrepancy is just due to when the data was pulled in from TransUnion. One is more up to date than the other. 