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Also, the 3 credit bureaus don’t always have the same exact information reported to them, so that is also a factor.

Your Credit Karma score is based on your Trans Union credit report, as with Credit Sesame above – they do not provide all 3 scores for free.

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I mainly just use it to track my Trans Union credit score and typically don’t pay a lot of attention to my Vantage Score.

But it is a nice bonus feature for those who are interested in it.

Then you get all 3 free credit scores just for giving it a try!

It’s an ad-supported service, which means it’s completely free – but much like a free TV station, you will see advertisements for things like credit cards, loans, credit report upgrades, etc.

The advertisements are not intrusive at all though, and are credit related and/or finance related – small price to pay for a free credit score every month!

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