The app uses information from TransUnion and Equifax to estimate your FICO score. Users report that Credit Karma’s scores are very close to their actual FICO scores.
Do credit cards use FICO or TransUnion?
For the majority of general lending decisions, such as personal loans and credit cards, lenders use your FICO Score.
Does Capital One look at TransUnion?
Capital One appears to use all three major credit bureaus—Equifax, Transunion and Experian.
Why do I only have a TransUnion credit score?
In fact, you can have a credit score with one of the credit bureaus and not with the other two because your lenders may only report to one bureau. You may not have enough information in your credit file to create a credit score, and lenders are not required by law to report your credit activity.