How accurate is credit karma?

When we run credit at the dealership...the customer often come in with their credit Karma score printed out. I find CK to be on an average about 20 points lower than the actual score.

I've found that CK is typically lower than the actual. My current CK score is 752. My FICO I ran yesterday was 792.

My understanding is that there are different "blends" of FICO depending on the use? For example, the one that Discover and Barclay's gives is a CC FICO, which is always within 3 points of my CK score.

I've also heard that (Coach G may be able to confirm) that there is a blend for auto loans. I have not applied for an auto loan since I began using CK, but a friend of mine did and so did his wife, and his and her CK scores were about 15 points lower than the score the dealer pulled.

I did recently apply for a mortgage, and the mortgage score was about 40 points lower than my CK score (and lower than my Discover FICO). The mortgage officer told me that a mortgage FICO looks at different things.

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I've also heard that (Coach G may be able to confirm) that there is a blend for auto loans

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That could be the deal if said dealership is doing its own finance...like these smaller used lots. What I use is the same program larger banks use. Most larger dealerships run a simple bureau simply because we are submitting it to the larger banks anyway.

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I don't place a lot of value in the raw score itself.

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Neither do we or a bank. There are many instances a 680 can be stronger than a 720.

Its all how you got there...