[Sohcahtoa82]

I've always filed them under "educational".

When I was applying for a home loan about a year and a half ago, plus a car loan about a year ago, I got to see my actual TransUnion, Experian, and Equifax scores. At least, the scores the bank saw. My scores were about 30 points higher than Credit Karma.

Now, my current credit card statement gives me a score about 50 points higher than Credit Karma.

I'm pretty sure Credit Karma has always been up front about their scores not being your actual FICO scores.