There are dozens of models that various companies use. When applying for a mortgage, there are different models used when applying for a car or an apartment. Credit Karma gets their scores from the credit bureaus with some particular model, which probably isn't the same one when you go try to get a car. It's not _wrong_ it's just different.

To be clear: credit karma shows VantageScore 3.0 whereas most credit cards, mortgages, and auto loans use a FICO score more often. That being said, there's a bunch of FICO versions in active use. For a rundown of them see here: https://www.investopedia.com/articles/credit-loans-mortgages...

Some esoteric lenders might use VantageScore and, for the most part, if you have a good VantageScore 3.0 you'll most likely have good FICO scores.

There's a good 55 point gap between my FICO and my VantageScore, so if you're getting a mortgage or something, you'll definitely want to check the FICO value to at least know if that's the case for you.

For a slightly more useful credit score (more useful, not more accurate - see sibling comment), you'll want to get a version of your FICO score instead of a version of your VantageScore. You can get one for free here: https://www.freecreditscore.com/ - it's run by Experian, I haven't read the private policy but no payment information is required.