Yeah, I've ran into that with auto lending as well when I purchased my last car. However, that's one of the only things I've ever seen that with. Another thing to consider is that sometimes car loans only use one credit tracker so your score will be based on the data they have. I don't know the reason for this other than possibly cars are easy to repo and resell at auction.

The answer is no. Plain and simple. Let me explain. Credit Karma uses the Vantage scoring model whereas most lenders use one (or more) of the FICO models. They also only get data from 2 of the 3 credit trackers (experian and transunion). Credit Karma is great for gauging progress if you're trying to build credit but it means nothing to lenders. Your score in reality is likely 30-40 points lower in all major scoring models. In addition, different lenders use different FICO scoring models (FICO 8 vs 9 (some even use as early as 5), then there's auto, mortgage, etc). This makes it even more complicated for someone with a poor score to navigate. The bottom line is with a 655 Vantage Score, if you can get approved for a personal loan at all, your rate will be north of 30%.