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Is Credit Karma Accurate?

This is a question I get asked almost everyday. The answer is yes, and no. The information shown on Credit Karma, such as which accounts are reporting, payment history, balances, collection accounts are completely accurate. However, the credit score given on Credit Karma is not always accurate. Many free sites offer a VantageScore 3.0, rather than the industry standard FICO score. The VantageScore 3.0 is on the same scale as the FICO score, 300-850. The problem is that the al