Is my Credit Karma score the score a mortgage lender sees?
Usually not. Credit apps show a different kind of score than the ones mortgage lenders use, so the numbers often do not match.
By Nick GutheryOwner & CEOUpdated Florida & Georgia
Mortgage lenders use their own scoring models, from all three credit bureaus. The app on your phone may use one bureau and a different model.
That is why someone who sees a low number in an app should still ask. The real score can be better than the app says. It can also be lower, which is good to know before you fall in love with a home.