So this is peculiar: CK says my overall credit grade is C, yet the component grades ars as follows:
Credit Card Utilization = A
Percent of On-Time Payments = A
Average Age of Open Credit Lines = C
Total Accounts = A
Hard Credit Inquiries = B
Derogatroy Marks = A
How does that possibly come out to an overall grade of C?
FAKO is as FAKO does. It probably take your score and compares it to an average of their FAKO. I think the grades are based off TransRisk as opposed to VantageScore because the grades were there with TransRisk before they introduced VantageScore.
It is a complete waste of time, and likely misleading, to look at the scores from CK. My CK Credit Score is A but my real FICO is slightly below the median, which should mean a C.
The CK VantageScore has a tiny, tiny amount of usefullness. Unless you really know the details, it is useless for most people.