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Equifax...Ridiculous Score fluctuations

Dhani76
Valued Member

Equifax...Ridiculous Score fluctuations

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?

Starting Score: 638
Current Score: 654
Goal Score: 700


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Message 1 of 4
3 REPLIES 3
medicgrrl
Valued Contributor

Re: Equifax...Ridiculous Score fluctuations

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


EQ 778 EXP 782 TU 729
Message 2 of 4
BrutalBodyShots
Super Contributor

Re: Equifax...Ridiculous Score fluctuations

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.

Message 3 of 4
joe8185
Valued Contributor

Re: Equifax...Ridiculous Score fluctuations

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.

Ch 7 BK discharged 11/28/14, credit rebuild well advanced. FICO:TU 680 FICO 8 (3/2/19) or 687 FICO 9/EX 694 FICO 8/EQ 685 FICO 8 or 674 FICO 9 (NFCU 3/3/19), VS 3.0 10/17/18: TU 702/EX 699/EQ 698. $92.9k revolving credit as of 1/31/19; $1K NFCU cashRewards Visa, $2K BJ's Perks MC, $5.1k Discover It #1, $6.5k Discover It #2 (new 3/12/18), $3.5k Petal Visa, $6k Paypal 2% CB MC, $6k Amazon Prime Store Card, $6k Walmart Store Card, $7k Apple FCU Platinum Visa, $7k Penfed Power Cash Rewards Visa, $11.8k Overstock Store Card, $15K Care Credit, $16K Cap One QS Rewards Visa Signature, $10k PenFed used car loan, $5k Navient student loan, $12.7k Lending Club loan. Gardening: 3 months, 19 days as of 1/31/19. 24 HP inqs total as of 10/12/18: 10 TU, 9 EQ, 5 EX (about half over 1 year old).
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