Originally Posted by LongviewTX

Well, to elaborate on this helpful explanation a little bit, whatever score you get on myfico.com is also likely NOT what your bank will use. Except for one of myfico's most expensive products, the score you will buy from myfico.com will be based on either your Equifax or TransUnion credit reports. But if your lender runs your Experian report, your bank may very well see a fairly different number.

That being said, myfico's TransUnion-based credit score is certainly a much better projection of what your bank will see than creditkarma's TransUnion-based credit score.