Not sure if this is in the right section but it isn't about credit cards so...
I use freecreditscore (not at all free) and just started using Creditkarma. Scores are each in the 640s. FCS is supposed to use Experian and CK is supposed to be based off of Transunion, so I wanted to check my Equifax.
I signed up for a month of Equifax just out of curiosity and Equifax gives you a report from all three bureaus. All are about 40-50 points lower, "as of 1/26/2013".
What gives? Am I misunderstanding the services I am using? D#^&&*#@(!$@!%$ this is very frustrating