<prompt> Human: Redditors who have used Credit Karma, how does it compare to Experian, TransUnion or any other major credit bureaus? I just checked it with Credit Karma and it seems at least 70 points lower than when I checked it with Experian about three months ago. Nothing has changed since, I havent missed a single payment on any of my accounts.  <response>: Credit Karma is not a credit bureau. They borrow from Transunion but tend to put their own irrelevant formula over top of it.You dont need to worry about your Credit Union or FAKO credit scores as theyre not your real credit score, are for broad educational purposes only, and not accurately indicative of your FICO score which is what lenders see and, quite frankly, is the only score that matters.TL;DR - FAKO scores dont matter so dont worry it. FICO does matter. 