Credit Karma, Inc. Credit Reporting Complaint

Credit Karma, Inc. Credit reporting department,

Unable to get credit report/credit score Problem getting report or credit score Wisconsin

I am paying - a month to CreditKarma for monitoring purposes, and I come to find out that they use a model known as " VantageScore 3.0 '' which actually nowhere near resembles what my actual FICO score is ; in fact, it 's actually grossly overinflated. I am not satisfied with their canned response that " it 's a different model. '' But should n't they be obligated to report my actual FICO score as they are branding their product with - 's labeling? I am onfused as to what the best service is for continuous monitoring of my credit score. Thanks!