<prompt> Human: Ive been using Credit Karma to monitor my credit score while I work my way out of debt. Im just wondering what other people think?  <response>: I would say there are two downsides: 1 not getting a FICO score and 2 not getting your Experian credit report info.Almost every major banklender uses a FICO model to determine your credit score. Credit Karma gives you a Vantage score, which isnt necessarily wrong but is very different. Its still a great way to keep an eye on two of your three major credit reports, and any increasedecrease in your vantage score is a good indicator of whether you are doing better or worse than last month. But it means nothing to whoever youre applying for credit through.While Equifax and Transunion are massive, every single one of my credit applications in the last 10 years or so has gone through Experian. Maybe thats just a weird coincidence, but it makes me think that lenders more often use Experian than the other credit bureaus. And Experian doesnt show on Credit Karma. I personally use Credit Karma to easily keep an eye on things and know generally how Im doing as I rebuild my credit. But I also signed up for the free credit monitoring at Experian.com, so I can see whats on their report for me as well. My Experian report and score are 100 points different than what Transunion and Equifax have for me, all because one old bad account was reported to Experian and not the other two. If I relied only on Credit Karma, I wouldnt have a clue. 