August 19th, 2013

How Can I See All Three of My Credit Scores?

19 Comments | Twitter | |

In this Credit Karma FAQ video, Bethy and Ezra tackle another commonly asked question in our Credit Advice Center: “How can I see all three of my credit scores?” The answer is tricky, as it turns out you have way more than three credit scores. Check out the video to learn more!

Some Key Points:

1. You can check your TransUnion credit report with Credit Karma and your other two credit reports with to make sure that each bureau has your correct information. However, AnnualCreditReport won’t provide you with your scores.

2. Each bureau creates tons of scores, some that aren’t even available to you. But you don’t have to stress out about all the different scores out there. They all tend to go up and down together. The important thing is to track one score, which will show you the ups and downs that could signal a significant change in your credit health.

3. Credit worthiness is more than just your score. Lenders are starting to use other attributes along with your credit score to determine if they’ll lend to you.

4. You can monitor your credit score for free at Credit Karma. That way, you’ll know where you stand before you apply for credit.

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Disclaimer: All information posted to this site was accurate at the time of its initial publication. Efforts have been made to keep the content up to date and accurate. However, Credit Karma does not make any guarantees about the accuracy or completeness of the information provided. For complete details of any products mentioned, visit bank or issuer website.


  1. One thing that most people don’t realize, is that the credit score they see at Credit Karma, or if they pay to get their scores, will generally be higher than their score on a mortgage credit report.

    Mortgage credit reports are scored slightly different, and in my 10+ years of doing mortgages, 99% of the time the scores on my mortgage credit report are lower than scores that they received from a non-mortgage credit report.

    Dayton Ohio Mortgage at 10:39 am on August 19, 2013
  2. Jenna

    Good point! There are many different credit scores that people can have, depending on what information the bureaus have and the scoring model that is being used.

    Jenna at 1:52 pm on August 19, 2013
  3. Hello, all my cards are paid off, and credit karma does not reflect that thank you

    arthur king at 6:43 am on August 22, 2013
  4. Jenna

    Hey Arthur, creditors typically report to the bureaus once a month, so we’d recommend checking back in a few weeks to see if that changes. If you’re talking about very old balances that aren’t showing as paid, it’s possible TransUnion has some incorrect information. If that’s the case, please email and we’d be happy to look into your account further.

    Jenna at 8:31 am on August 22, 2013
  5. how do i get bankruptcy off of my credit reports

    ronnie whittington at 11:10 am on August 27, 2013
  6. Jenna

    Hi Ronnie,

    Bankruptcies automatically fall off your report after 7-10 years. If it’s been longer than 10 years, you can dispute it with the credit bureaus. If not, you’ll have to wait until it falls off in time. You can learn more about how to recover from bankruptcy here:

    Jenna at 11:25 am on August 27, 2013
  7. I just got a letter in the mail from a bank with all three of my scores on it. The score credit karma gave me was almost 40 point less then the three scores I recieved that I added up and devided by three. So should I trust the bank or you guys

    A. Smith at 4:45 pm on August 31, 2013
  8. Jenna

    Actually, all of those scores are your true credit scores! You actually have dozens of credit scores that can vary by bureau, scoring model, and date. You can learn more here:

    Jenna at 8:18 am on September 3, 2013
  9. This may be a dumb question, but does CreditKarma report scores from all 3 credit reporting agencies, or only TransUnion?

    Robert Bell at 11:22 pm on July 13, 2014
  10. Mike

    Hey Robert – No such thing as a dumb question! Credit Karma draws our credit information from only TransUnion at this point in time. You can find more information on the scores we offer here:

    Please let me know if there’s anything else I can help you out with. Thanks!

    Mike at 9:12 am on July 14, 2014
  11. The last question by Robert B. I just found out today 2/24/2015 that the information provided to you through this Karma service is only providing you information reported from TransUnion. When I tried to contact Experian and Equifax- that weren’t able to go over my report with me stating I needed to have a membership, bullcrap. I’ve already paid for all three reports, therefore someone should be able to assist me with my questions from all three credit agencies.

    Cecelia at 4:47 pm on February 24, 2015
  12. Mike

    Hi Cecelia – Actually, since Robert’s comment we’ve added Equifax to our repertoire, meaning we offer scores and reports from both TransUnion and Equifax. If you have questions about where to see your Equifax report on your Credit Karma account, I’d recommend getting in touch with our member support team. Do that here:


    Mike at 5:29 pm on February 24, 2015
  13. Hello there! I just wanted to say, that I appreciate Credit Karma’s improvements that they have made and I’m sure will continue to make!! I’m impressed and I’ve very pleased with what Credit Karma has to offer. AND it’s FREE. So with that being said, THANK YOU CREDIT KARMA FOR YOUR INCREDIBLE SERVICES!!!

    Amanda at 8:25 am on July 17, 2015
  14. Enola Guerrero

    Hi Amanda – Thank you so much for your kind words! We really appreciate it!

    Enola Guerrero at 3:58 pm on July 17, 2015
  15. Hi! Why I can see only 1 bureau – TransUnion? My wife has 2 – TransUnion and Equifax. Thank you!

    Tim at 10:57 am on July 20, 2015
  16. Enola Guerrero

    Hi Tim – Please contact our support department so we can better assist you with this matter:


    Enola Guerrero at 8:34 pm on July 21, 2015

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