<prompt> Human: I recently purchased a car and used the dealers financing. I was pleasantly surprised by the rate offered and took it. I got some kind of compliance mailer from the lender about how credit ratings affect the rate offered. They said my TransUnion was 810 at the time of the loan decision, when CreditKarma showed that it was about 100 points lower.x200B;What gives?  <response>: CreditKarma is great for monitoring, but uses Vantage 3.0 for scoring that virtually no lender uses. 