Credit Karma credit score ranges
Credit Karma scores range from 0 to 710. See what each range means and how it affects your credit options.
Credit Karma uses data from TransUnion, so these ranges match the TransUnion scale.
Needs Work
Lowest range; focus on rebuilding and stability.
Fair
Average range; approvals possible but rates may be higher.
Good
Solid range with access to most products.
Excellent
Top range with the strongest access to mainstream credit.
How the Credit Karma scale works
Credit Karma uses a 0–710 scale divided into 4 ranges. Lenders look at which range your score falls into, along with your full credit report, to decide eligibility and pricing.
Scores can differ between agencies because they use different data sources and models. If you have scores from multiple agencies, compare where you fall in each scale.
Compare all agencies →Common questions about Credit Karma scores
What is a good Credit Karma credit score?
On the Credit Karma scale (0–710), scores in the "Excellent" or "Good" ranges are considered good. However, lenders also review your full credit report and affordability, not just the number.
Why does Credit Karma use TransUnion data?
Credit Karma partners with TransUnion to provide your credit score. This means your Credit Karma score and ranges match the TransUnion scale exactly.
How often does my Credit Karma score update?
Credit scores typically update monthly when lenders report new data. Changes to your credit behaviour may take 4-6 weeks to reflect in your score.
Do all lenders use this score range?
Lenders may use different credit reference agencies and their own internal scoring models. Your Credit Karma range is a helpful guide, but each lender makes independent decisions.
Other agency ranges
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