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I was wondering if anyone has experienced this or better yet have a real answer to my question
I have been checking my credit scores with Credit Karma, Equifax and myfico for the past few months and the scores seem pretty close anyway the other day myfico alerts said a change in credit score watch (set it to 634 before alert was a 629 ) anyway when I read the alert it went upto 644 and same day checked CK and it was about 7 points below what myfico said .... checked today 08/19/ and CK said my credit score dropped by 40 points **bleep** anyway looked at my report and activity and there is nothing new other than a new credit card Hcl 3000 LI 6% no late payment nothing can't understand why the two are so different in a matter of one day...I could understand the drop in score if I have missed a payment for went over 30% but I have never done that... not even close and every now and then I will caryy a small balance but to drop 40 points.... on ck and then up 14 point on MyFico who score is true to Fico I do not want to have a lender pull my credit just for that reason to see my score..
I dont trust CK that much but it could be accurate.
CK is Transunion's New Accounts Score: it doesn't behave the same way with new accounts as FICO does. That much seems to be anecdotally true from everyone I've talked to, but frankly I think the score is rubbish so I simply ignore it. The VS 2.0 score CK has is the only one I pay even minimal attention to.
CK is only a rough estimate. CK has me at 747 while I'm really more towards 680.