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xxPlatoxx

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CK scores not even close!
My Transunion score is 66 points lower than CK; the discrepancy between my actual Equifax score and CK is even worse.

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Not all scores are created equal, and you don't have just one generic score. Different lending industries use different criteria to calculate your scores to meet their own lending requirements. Your "actual" score purchased from credit bureaus might be vastly different when you apply for a mortgage than for a car loan or credit cards.

Besides, if your scores is same here in CK a free site, as your "actual" scores? then, no one would have need to pay for their scores.

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CK is here to teach!!

So only approximations are needed so that, when using the interactive tools, you can see what could happen to your credit score when you do certain things with your credit,.  If you want "spot on" credit scores, you have to go to the credit bureaus themselves and (often) pay a fee. 

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