<prompt> Human: A little pretext. I have a 755 on Credit Karma and considered a auto loan last year, applied and they pulled it at 761. Didnt end up buying, but still..So, today I go to buy a truck I absolutely love. Get the deal in order, they run my credit and it comes back at 639 and Im kinda shocked. Nothing on my credit has changed at all. Checked it immediately, everything is the same except the new hard pull is there. Anyone possibly have an explanation here? I know CK can be a little high, but its like 100 off and when it was pulled last May, came back much higher and no changes have been made to my credit.  <response>: Credit Karma uses VantageScore, which no lender uses. Get your FICO scores. 