Are Credit Karma Scores Real and Accurate?
First, understand that Credit Karma makes money by giving you a free score in exchange for learning more about you and charging advertisers to put ads in front of you. Because Credit Karma is pulling your credit score, its system knows a lot about you, and it can carefully tailor those ads to your spending habits. More targeted ads are better for advertisers since they don't waste money putting ads in front of people who would never use their services and usually allow the advertising company to charge more per ad.
The scores and credit report you receive from Credit Karma come from TransUnion and Equifax, two of the three major credit bureaus. They also use VantageScore credit scores, a collaboration among all three major credit bureaus. This is similar to the FICO score you may have heard about, but more than 90% of lending institutions use the FICO score to make decisions, not the VantageScore report.
For a more in-depth look at the credit scoring and reporting process, read this article.

Stout Bowman regularly posts important and interesting information on our blog. Current topics include credit/debit/loans, estate planning, insurance, investing, Medicare, retirement, Social Security and taxes, as well as general information that we think you might find of interest.
We have been publishing an email newsletter for our clients and friends since 2016. Links to all of the newsletters can be found on our newsletter page, with the most recent listed first. We try to keep our emails short, so there are typically only three articles in each one, most of which link to other articles in the financial and mainstream press.
We also have a page on our site for the latest news about our company, notice of any upcoming events, and a market commentary to discuss what our advisors and other financial industry experts conclude about the previous investment performance and what we might expect the markets and the economy will do in the coming months.
Many news organizations offer what is called a Rich Site Summary (RSS) feed, a listing of the latest changes to their site's content. We have subscribed to several of these news feeds and present a list of their latest ten articles on a page on this website to save our clients the hassle of going to multiple websites just to see what is available. Currently, we subscribe to
At Stout Bowman every investment client is first a financial planning client; it's important to go through that process before we make any professional investment recommendations. Therefore, we strive to make financial planning understandable and comfortable every step of the way. One way to do that is to provide our clients access to financial education resources. To that end, we have subscribed to educational websites to receive their news feeds and present a list of their latest ten articles on a page on this website. Currently, we offer