Customers of Credit Karma have access to their credit scores from TransUnion and Equifax, according to the Credit Karma website. The company also gives customers home insurance and auto insurance scores, and customers can see how they stack up when compared with other members.
A person's credit score ranges from 300 to 850, explains Credit Karma. Its customers have access to their scores from VantageScore 3.0, a system that the three major credit bureaus created. It focuses more on the past two years of a person's credit history as opposed to the traditional longer-term picture.
A customer also gets his auto insurance score, which is from 150 to 950, explains Credit Karma. The 15 largest auto insurance companies use it to calculate how risky a potential customer is to insure. It matters in credit history because of an apparent correlation between credit history and the chances of someone filing a claim. A person who has a higher credit score is less likely to file a claim and more likely to get a better auto insurance rate. A person's credit report determines the auto insurance score; factors such as his driving history do not enter the equation.
The home insurance score follows the same scale as the auto insurance score, according to Credit Karma. It uses TransUnion data and functions similarly to the auto insurance score.