Credit Karma?

I recently applied for a HELOC (which I ended up not doing anyway) and the bank sent me a letter saying they pulled my credit and my score was 836. I did credit karma and they said my score was 776.
 
I recently applied for a HELOC (which I ended up not doing anyway) and the bank sent me a letter saying they pulled my credit and my score was 836. I did credit karma and they said my score was 776.



I guess that's good news. I would rather check it for free and know that if I needed a loan, the chances are that the score that the bank would get would be better. I'd hate for it to be the other way around and think that I had a 836 only to find out that when the bank pulled the score it was really only 776.
 













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