Credit Karma vs Experian: What's the Difference? (2024)

Credit Karma vs. Experian: An Overview

If you’re checking your credit score or credit report, Credit Karma and Experian are two names you’ll likely come across.

Experian is one of the three major credit reporting bureaus, along with Equifax and TransUnion. Credit Karma is a an online service that provides credit scores and reports to its members, along with financial articles and advice. Credit Karma provides information for free if you sign up for its membership.

Key Takeaways

  • Credit Karma is a user-friendly online service that offers free Vantage 3.0 scores from TransUnion and Equifax.
  • Experian offers free access to credit scores and credit reports through various free product suites, as well as paid score and report options.
  • Credit Karma does not provide FICO scores or Experian credit reports.
  • You have the right to a free credit report every 12 months from Experian and the other two major credit bureaus via

Credit Karma

Credit Karma is not a credit bureau, it is an online financial platform that makes credit bureaus’ information available to consumers. Members can check and monitor their credit scores and credit reports for free. The site also offers various financial and educational tools to help you improve your credit rating. Founded in 2007 by CEO Kenneth Lin, the company was privately held until late February 2020 when Intuit announced it was buying the company for $7.1 billion.

Credit Karma is a fully online platform, so everything happens at That’s where you’ll register as a member to gain access to your credit scores and reports, which you can printor save as PDFs. Members can also register bank and credit card accounts to get a full financial picture. And you can access your account online or via a mobile app for iPhoneor Android.

Credit Karma offers Vantage 3.0 scores from TransUnion and Equifax. Vantage is a collaboration of the three major credit bureaus, including Experian.Scores are updated once a week, plus members can sign up for credit monitoring alerts, so they’ll be notified whenever their score changes. Outside of Credit Karma, many of the best credit monitoring services also provide these types of alerts, in addition to identity monitoring and/or protection tools.

Credit Karmaoffers full credit reports from TransUnion and Equifax, updated weekly.You cannot get your FICO scores via Credit Karma.


Experian provides the FICO Score 8. It is one of the three major credit reporting bureaus in the U.S. along with TransUnion and Equifax. A global company, Experian is headquartered in Dublin, Ireland, andlisted on the London Stock Exchange (EXPN).

Experian has 27,000 employees, and operates in 30 countries. It has four main business lines: credit services, marketing services, decision analytics, and consumer services. Experian offers consumers options for free credit reports through its website and options for free credit scores.

Experian owns the for-profit (not to be confused with, the Federal TradeCommission-authorized website for free credit reports).

For credit questions, the Experian credit hotline leads to a real person who can answer questions about your credit, and offer you a step-by-stepwalkthrough of your credit report. Like Credit Karma, the site provides financial advice articles and videos.

Credit Karma vs. Experian: How They Work

Credit Karma provides information for free, including free credit scores, free credit reports, and free credit monitoring and alerts. You won't be asked to register a credit card, as you do for most “free trials.”

Credit Karma recommends credit cards that will save you money and for which you’re likely to be approved. Its website is oriented not just to giving you access to your credit ratings but to improving them. It has various financial calculators and lists of credit factors that go into your credit score—with a personalized grade for each and suggestions for how various actions will affect those factors. In addition, you can file your federal taxes and certain state returns for free via Credit Karma.

Experian provides a list of various free options and packages for purchase, such as the 3-Bureau Credit report and FICO score for $39.99. This includes scores from Experian, Equifax, and TransUnion, plus what credit factors raise or lower your scores.

Experian provides a one-time pull of your reports; although the information won't be updated after your first access, the initial reports remain available for you to refer to for 180 days.

Other options include Experian CreditWorks Basic and Experian CreditWorks Premium. Experian CreditWorks Basic offers the following for free:

  • Free Experian Credit Report and FICO® Score
  • Increase your FICO® Score with Experian Boost
  • Report and Score Refreshed Every 30 Days On Sign In
  • FICO Score Monitoring with Experian Data
  • Experian Credit Monitoring and Alerts
  • Free Dark Web Surveillance Report
  • Credit Cards and Loans Matched for You

You can upgrade to Experian CreditWorks Premium for $24.99 a month after a free seven-day trial. The upgrade includes these additional features:

  • Monthly 3-Bureau FICO® Scores*
  • 3-Bureau Credit Monitoring and Alerts
  • Daily FICO® Scores Based on Experian Data
  • Experian CreditLock with Alerts
  • FICO® Score Tracker
  • Identity Protection and Alerts
  • Up to $1 Million Identity Theft Insurance
  • Dedicated Fraud Resolution Support
  • Lost Wallet Assistance

Similarly, Experian's IdentityWorksPlus or Experian IdentityWorksPremium plans offer joint credit and identity theft monitoring services for those who want more comprehensive security coverage. The Plus plan is $9.99 per month after a free 30-day trial, and the Premium plan is $19.99 per month after the free 30-day trial.

Lastly, Experian offers a service called Experian Boost, which allows consumers to add positive payment history for telecom and utility payments to their Experian credit reports to instantly boost their credit scores. Experian customers who are looking for an additional way to boost their credit scores, particularly those stuck with a poor credit history, may want to consider working with one of the best credit repair companies currently on the market.

What is Credit Karma Used For?

Credit Karma is service that provides your credit score for free. You can use Credit Karma to check your credit score online as part of monitoring your credit.

What Is a Good Experian Credit Score?

A credit score above 700 is considered a "good" credit score. A credit score of 740 is considered "very good" and will likely get you better rates than a "good" credit score. Credit scores over 800 are considered "exceptional."

Is Experian the Most Accurate Credit Score?

Credit scores from the three main bureaus (Experian, Equifax, and TransUnion) are considered accurate. The accuracy of the scores depends on the accuracy of the information provided to them by lenders and creditors. You can check your credit report to ensure the information is accurate.

The Bottom Line

You can use both Credit Karma or Experian to track your credit score for free. If you want to improve your credit score, you can take steps like paying your bills on time, making more than the minimum credit, and avoid opening new lines of credit. For a detailed credit report, visit You are entitled to one free credit report per year.

Credit Karma vs Experian: What's the Difference? (2024)


Credit Karma vs Experian: What's the Difference? ›

Credit Karma is different from Experian. While Experian compiles your credit report and determines your credit score, Credit Karma simply shows your score and credit report information from TransUnion. Think of it this way — Credit Karma is like a newspaper that writes about the credit score TransUnion gives you.

What is more accurate, Experian or Credit Karma? ›

Credit Karma: Which is more accurate for your credit scores? You may be surprised to know that the simple answer is that both are accurate. Read on to find out what's different between the two companies, how they get your credit scores, and why you have more than one credit score to begin with.

Why is there a 100 point difference between Credit Karma and Experian? ›

This is mainly because of two reasons: For one, lenders may pull your credit from different credit bureaus, whether it is Experian, Equifax or TransUnion. Your score can then differ based on what bureau your credit report is pulled from since they don't all receive the same information about your credit accounts.

Why is my Experian score so much higher than Credit Karma? ›

If you decide to enroll in both services, keep in mind that the FICO Score based on Experian data is calculated differently than the VantageScores based on TransUnion and Equifax data you'll get from Credit Karma. Your FICO Score may differ from your VantageScores because of those different calculation methods.

How many points is Credit Karma off? ›

In some cases, as seen in an example below, Credit Karma may be off by 20 to 25 points.

Why is my FICO score 100 points lower than Credit Karma? ›

Your FICO Score is a credit score. But if your FICO score is different from another of your credit scores, it may be that the score you're viewing was calculated using one of the other scoring models that exist.

Which of the 3 credit scores is most accurate? ›

Simply put, there is no “more accurate” score when it comes down to receiving your score from the major credit bureaus.

What is the difference between Experian and karma? ›

Experian is one of the three major credit reporting bureaus, along with Equifax and TransUnion. Credit Karma is a an online service that provides credit scores and reports to its members, along with financial articles and advice. Credit Karma provides information for free if you sign up for its membership.

How accurate is Experian credit score? ›

If you have a credit history that's been reported to the bureaus, you can have a credit report with each of the major bureaus. Those are TransUnion, Equifax and Experian. There isn't one “more accurate” report. The most accurate report in any individual case is the one that has the most complete information.

Which credit bureau is most used? ›

Although Experian is the largest credit bureau in the U.S., TransUnion and Equifax are widely considered to be just as accurate and important. When it comes to credit scores, however, there is a clear winner: FICO® Score is used in 90% of lending decisions.

Is Experian the most accurate credit report? ›

Is Experian the Most Accurate Credit Score? Credit scores from the three main bureaus (Experian, Equifax, and TransUnion) are considered accurate. The accuracy of the scores depends on the accuracy of the information provided to them by lenders and creditors.

Does Credit Karma have the most accurate credit score? ›

Overall, Credit Karma may produce a different result than one or more of the three major credit bureaus directly. The slight differences in calculations between FICO and VantageScore can lead to significant variances in credit scores, making Credit Karma less accurate than most may appreciate.

Why is my Experian score so much higher? ›

When the scores are significantly different across bureaus, it is likely the underlying data in the credit bureaus is different and thus driving that observed score difference.

Is Credit Karma the most accurate? ›

Although VantageScore's system is accurate, it's not the industry standard. Credit Karma works fine for the average consumer, but the companies that will approve or deny your application are more likely to look at your FICO score.

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