I hate it that credit karma is showing me that I'm 40+ points behind my bank and Experian is showing me 80+ behind then my bank and they are also showing my wife's the same way. Everybody that I talk to say that I need to get away from them and only stay with what my bank says. Credit karma you need to upgrade your system VERY VERY BADLY. And when I called the 1 800 to see what my score was they said the same as my bank and not to trust anything that's on the internet....