<prompt> Human: I recently checked my credit on Credit Karma and was just wondering how accurate those scores are. Its showing that I have a 700 with both TransUnion and Experian but I filed bankruptcy almost 2 years ago. Ive done some work to rebuild my credit, but is it really possible it got that high, that fast? Im considering applying for a VA loan to purchase a home in the next few months and just want to know if those are the same scores a potential lender will see.  <response>: People. Credit Karma is very clear that their scores are VANTAGE SCORES 3.0, not FICO. 