<prompt> Human: I knew it provided a rough idea, but after paying to check my credit scores today, it seems way, way off. Credit Karma Actual scoresKeep this in mind if youre keen to make any big financial decisions. Karma is no way to judge your credit worthiness.  <response>: CreditKarma is a proprietary non-FICO i.e., FAKO score. It should only be used as a rough estimate for credit education and file monitoring.Edit: also, your PLUS score is not your real score either. 