Equifax...Ridiculous Score fluctuations

[Dhani76]

According to Credit karma (and is this the problem?) EQ score at 640 5/28. Went down to 566 on 6/22. Relieved when it went back up to 627 on 6/26. Now it's at 518!!!! Some new accounts (ONE in the last 2 weeks) and a few INQ (total of 17....approx 9 are older and about to drop off). No new collections only 2 remain. All accouints fairly new but in excellent /pais on time standing. CU not stellar (40%) range but not deplorable. What's the deal?

[medicgrrl]

Ignore the Vantage scores on CK. It's good for monitoring reports, but not scores

[Anonymous]

CK does not provide FICO scores; CK scores use the VantageScore 3.0 model, which is used far less often than FICO models.  As stated above, CK is great for monitoring your TU and EQ reports weekly, but it's wise to completely ignore the scores they provide.

[Anonymous]

I find CK (and USAA's free Experian score which also uses Vantage Score) good for monitoring things like new accounts and inquiries. If you want your FICO score, though, obviously you have to find a site that provides it. As far as Equifax goes, Lenny Credit provides free EQ FICO 8, though they can be a bit slow with the initial update after you sign on.