Eh, credit scores aren't accurate. Car dealerships and mortgage lenders get a different number than these guys, it's not a uniformed number and they don't tell you that. I mean it will give you ballpark but you can be off as much as +/- 30 points. For me this is nice to watch if anyone is pretending to be you, you can see all accounts opened in your name. But that is about it. Oh yeah and as of today, it asks you to update with no update available... way to go credit Karma team.