Via the FatWallet.com forums, we’ve found this credit-related question:

I just pulled my CreditKarma score.
Yesterday it was 752.
Today it is 731.

Has this happened to anyone else today? Or did CK change their formula?

I am back to studying my TU report. Maybe I overlooked something?

As mentioned in the Veracity FAQs, your credit score can fluctuate on a daily basis because of several factors. In this case, the poster mentioned that he does have a credit card whose balance fluctuates between $800 and $4,000 each month. Although he doesn’t mention the limit on the card it is likely that this difference in balance could cause a deviation of a few points in a credit score.

This shift could also depend on when the credit card company makes their report to the credit bureaus. If they happen to report in the middle of the month when this poster’s balance is highest, he may find himself with a small ding to his credit.

In addition, unless your credit report specifies that you are getting a true FICO score, the score will depend on the algorithm that the credit report company uses to approximate the FICO score, and it could depend on factors that would otherwise not affect your FICO.