Credit Karma is a financial service provider. It does not calculate credit scores. Experian® is a credit bureau that compiles your credit reports based on the information reported to them by various lenders. Your credit score is calculated based on this information using a scoring model like FICO® or VantageScore®.
The score you see on Credit Karma is based on the information in your credit reports from Equifax® and TransUnion®. These scores are based on the VantageScore 3.0 model. If you see a higher Experian score, it is most likely because Experian may have information from sources different from TransUnion and Equifax. Not all lenders report to all credit bureaus, as they may report to just one, or even none at all. So if you have a higher Experian score, it may be because the information updated there has a higher score value.
