Been using credit karma for years. I've been really responsible in building up my credit to 803. I get ready to buy a house and get pre-approved and find out my credit score is actually a 720 while credit karma reports 803. This feels like predatory marketing. I understand it's an estimate, but when they have the freedom to blatantly lie about your score while selling advertisement for credit cards, it's a clear conflict of interest to the consumer. I will never recommend this app.