How accurate is Credit Karma's credit score reporting?

Credit Karma is generally considered a reliable source for checking credit scores, as it provides scores from two of the three major credit bureaus: TransUnion and Equifax. However, it's important to note that Credit Karma uses the VantageScore 3.0 model, which might differ from the FICO scores that most lenders use to make credit decisions. While both scoring models are respectable and provide a good indication of one's credit health, there can be discrepancies between the scores from different models. For individuals who want the most precise assessment of their credit score as seen by lenders, it is advisable to also check their FICO score. Nonetheless, Credit Karma can offer a useful and accurate estimate for personal monitoring and educational purposes.