How accurate are Credit Karma's credit scores?

Credit Karma provides credit scores that are generally accurate for the VantageScore 3.0 model they use. This model differs from the more widely known FICO score, but both are legitimate scoring systems used by lenders and financial institutions. Credit Karma's accuracy is based on the latest information available from two of the major credit bureaus, TransUnion and Equifax. However, as lenders may use different scoring models or additional information to determine an individual's creditworthiness, the scores provided by Credit Karma might not exactly match the scores used by a particular lender in a lending decision. It’s also worth noting that the frequency at which Credit Karma updates its scores can affect their current accuracy, though they work to provide timely updates. Despite these differences, Credit Karma's scores are useful for monitoring one's credit health and general score trends over time.