Credit Karma vs FICO episode artwork

EPISODE · Jun 6, 2026 · 7 MIN

Credit Karma vs FICO

from The Credit Show

You checked your Credit Karma score before walking into the dealership. It showed 720. The finance manager came back with a rate you didn't expect. Here's what happened: the score you saw and the score they pulled are two completely different numbers — and nobody warned you. Harry Jacobs breaks down the critical difference between VantageScore and FICO, why over 90% of major lenders use FICO scores that never appear on free apps, and how a couple's $40,000 mortgage mistake came from optimizing for the wrong number. Know which score is actually in the room before you apply for anything that matters. If you would like a free consultation with Harry Jacobs at Credit Restoration of Nevada, text CREDIT or call 702-778-2000. You may also visit us online at TheCreditShow.info #CreditKarma #FICO #VantageScore #CreditScore #Mortgage #AutoLoan #CreditRepair #PersonalFinance #FinancialLiteracy #CreditMyths #TheCreditShow #HarryJacobs #CreditRestoration #LasVegas #myFICO #BuildCreditSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

You checked your Credit Karma score before walking into the dealership. It showed 720. The finance manager came back with a rate you didn't expect. Here's what happened: the score you saw and the score they pulled are two completely different numbers — and nobody warned you. Harry Jacobs breaks down the critical difference between VantageScore and FICO, why over 90% of major lenders use FICO scores that never appear on free apps, and how a couple's $40,000 mortgage mistake came from optimizing for the wrong number. Know which score is actually in the room before you apply for anything that matters. If you would like a free consultation with Harry Jacobs at Credit Restoration of Nevada, text CREDIT or call 702-778-2000. You may also visit us online at TheCreditShow.info #CreditKarma #FICO #VantageScore #CreditScore #Mortgage #AutoLoan #CreditRepair #PersonalFinance #FinancialLiteracy #CreditMyths #TheCreditShow #HarryJacobs #CreditRestoration #LasVegas #myFICO #BuildCredit See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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Credit Karma vs FICO

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How long is this episode of The Credit Show?

This episode is 7 minutes long.

When was this The Credit Show episode published?

This episode was published on June 6, 2026.

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You checked your Credit Karma score before walking into the dealership. It showed 720. The finance manager came back with a rate you didn't expect. Here's what happened: the score you saw and the score they pulled are two completely different...

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