Credit Karma provides a valuable service by offering free credit monitoring and an informative credit score based on the VantageScore model. However, it's crucial to recognize that this score may differ from your FICO score, which lenders commonly use. While Credit Karma's score is a helpful tool for tracking your credit trends, it's your FICO score that holds the most weight when applying for credit. To get a complete picture of your credit health, consider monitoring both your Credit Karma sco