Credit Karma is not a FICO credit score. The score you get from Credit Karma is only from TransUnion which is only one of the big three.

The FICO score is what matters to creditors and what they see when they pull your credit. A change in CK score does not mean anything other than....uhm...actually it means nothing as far as your credit score goes. Scores from CK are good for, again, nothing. Okay, maybe just a general idea of what your score might be. I have heard of people receiving the exact score from FICO and CK, but I have also heard of CK scores being over 100 points off.

Pay no attention to CK. If you want your real Equifax or TransUnion scores, go to MyFICO.com.