Direct Answer
Credit Karma shows your VantageScore 3.0 from Equifax and TransUnion, which is a real score — but it's not the FICO score most lenders actually use. Lenders typically pull FICO 8 (general lending), FICO Auto Score 8 (auto), or FICO 2/4/5 (mortgage). Credit Karma scores often run 20–50 points higher than your real FICO. Here at Credisure Fix, we focus on improving the underlying data so every score model moves up.