Why does Credit Karma say I have a 640 credit score but you say my credit score is actually a 540?

Credit Karma uses what is often referred to as a Vantage Score or  FAKO score, not a FICO score. It’s not “fake” it just uses a different point system which can throw things off by as much as 100 points. Credit Karma is a free service that does a great job helping you monitor your credit, but it will not give you your accurate FICO score. I often see FICO scores up to 100 points lower than what Credit Karma shows, but 10% of the time it goes the other way and can be around 80 points higher. We truly never know until I pull  your credit and see where you really are.