<prompt> Human: Hi,Credit Karma said I had excellent chance at a certain card. I apply, get denied. Wait for decision letter, letter says my scores around 575. I registered for myFico right after I got the denialon-screen, before the letter explaining the denial, figuring theres something on Experian report Im not seeing. My scores a MINIMUM of 650 across all old and new FICO score models. Ive been trying to improve credit for about a year, and my score was at 619 for a while. I had some credit inquiries, but not enough to knock my score down nearly 100 points. I have no idea where this lender got 575 from and its really bothering me, because all my bureau credit reports are correct, as far as who I am and accounts.What else should I be looking into?  <response>: In the future, Credit Karma is a pretty shitty gauge of actual score. Its really only good for monitoring when you have inquires and estimation. You need to pull a report directly from the credit bureau themselves and nobody else. 