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I wanted to give a little example of just how messed up FAKO scores are and why no one should pay any attention to them. Yesterday EQ finally granted an EE on my BK13 that was scheduled to fall next month My EQ Fico 8 jumped 45 points from 723 to 768 on this change.
I did decide to try and grab the Savor One that Cap One had me prequalified for one, so I took an HP after it was removed and my EQ improved.
CK was set to update today so I logged into to take a look. To the tune of a 23 point reduction to take my FAKO EQ down to 649 and the only difference is the one HP.
Just an example of why FAKO scores mean nothing.
Non-FICO scores mean nothing not because they are more volatile or perhaps less representative of what's going on with your profile than FICO scores, but simply because the majority of lenders don't use them in their lending decisions.
Mine have been very accurate and have more useful features..