that's it i'm canceling my account with them. Their scores are way off, they just use you as a way to sell more credit cards, and now they are giving out my info. They are worse than useless now.
There are dozens of models that various companies use. When applying for a mortgage, there are different models used when applying for a car or an apartment. Credit Karma gets their scores from the credit bureaus with some particular model, which probably isn't the same one when you go try to get a car. It's not _wrong_ it's just different.
To be clear: credit karma shows VantageScore 3.0 whereas most credit cards, mortgages, and auto loans use a FICO score more often. That being said, there's a bunch of FICO versions in active use. For a rundown of them see here: https://www.investopedia.com/articles/credit-loans-mortgages...
Some esoteric lenders might use VantageScore and, for the most part, if you have a good VantageScore 3.0 you'll most likely have good FICO scores.
There's a good 55 point gap between my FICO and my VantageScore, so if you're getting a mortgage or something, you'll definitely want to check the FICO value to at least know if that's the case for you.
For a slightly more useful credit score (more useful, not more accurate - see sibling comment), you'll want to get a version of your FICO score instead of a version of your VantageScore. You can get one for free here: https://www.freecreditscore.com/ - it's run by Experian, I haven't read the private policy but no payment information is required.
Wow you are indeed correct, according to their privacy policy:
> Due to our recordkeeping and information retention requirements, we do not delete information about you upon deactivation. We will, however, disable your account and stop sending you further communications. Furthermore, except to the extent necessary for legal or regulatory recordkeeping purposes, we anonymize the data in your Member Profile two years after you deactivate your account. It may take a little more time for our automated backup systems to fully process the anonymized account, though.
Is this true? Why? Where can I go to get a more accurate credit rating?