Beacon Fico score question

How is this different than Karma Credit?  I was shocked to see my credit score around 620. I then “reconfigured” it with Karma Credit if I paid my two credit cards to under  20% of my limit.  It only increased by 40 points.  I have two blemishes on my credit report from 5 years ago when I was married:  an unpaid $115 medical bill that went to collections (unbeknownst to me because my ex-husband handled all the bills – poorly) but was paid off and another old account from 2003 that showed several late payments.

————————-

never heard of karma credit
but that sounds about right for paying down debt 40 points
beacon score and fico score are almost identical