I find CreditKarma to be useful for entertainment purposes only (although I suppose if there was a sudden large drop it would set off an alarm). According to them my Vantage Score is 914, while my Credit Score is 799 (where it has been for 2 solid years now, not a point up or a point down in 2 years). Discover gives me my FICO score for free each statement and it has always been in the 800s. My mortgage guy is telling me as long as I am above 740 I have nothing to worry about (not that I would worry anyway).