“Why does Credit Karma say 720… and your mortgage lender says 660?” Here’s the truth nobody explains: There isn’t ONE credit score. There are dozens. And the one you see on Credit Karma, Capital One, or any monitoring app? That’s a consumer score — built to track trends, not approve mortgages. Mortgage lenders are required to use a completely different scoring model. It’s older. It’s stricter. And it weighs your credit very differently. So if the numbers don’t match, nothing’s wrong with you. Th