CK is not always on the money, especially with regard to your score, because their score is not a true FICO score. However, CK can still be useful to view trends in your score. Generally, it will still correlate with your actual score as far as ups and downs, but often CK is slower to update and seems much slower to climb up vs fall.
CK is also pretty decent for monitoring the accounts and how they are reporting on your TU report.
It's not the best site/tool, but it is also free and better than not using anything. I view it as an occasional monitoring tool that happens to be free. Don't take it super serious, don't make any huge decisions based on what it says, but you can still enjoy it for what it is.
