Credit score

Credit karma says my score is 685. Discover (FICO) and TransUnion says it’s 742. I recently had a medical bill of $92 go into collections (first collection notice ever!) and credit karma emailed me. That’s how I found out I had something due. Spent a lot of time on the phone. Paid it.

Online different places is saying discover FICO and TransUnion etc actually ignore collections like this (medical) if under 100$. It’s not showing on any credit report I can find except credit karma.

When me and my husband bought a Harley couple years ago my credit karma score online said 704 and the two Other sites said 736 or 740. The Harley dealership gave me my credit report they had and it was 740. And the guy at the business office there said that credit karma is notorious for showing you a score that’s lower than what it actually is a no businesses go off of their score. I don’t know how accurate this is. But the two scores I’m seeing now between the two sites is a huge difference. If I go to buy a house or we consolidate my student loans or something which score do you think they are going to most likely see?