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My CK scores used to be within about 5% of my actual FICO scores but recently they've been nowhere close. Like 100 pts. less than my FICO scores nowhere close.
The only thing I can figure (in my case) is that the VantageScore model is super sensitive to new accounts/AAoA, since that's really the only change that would have dinged my score. My utilization drop should have outweighed this change by far though, so who knows. At this point I only care about my EQ report from CK, the service is worthless to me otherwise.