Your Credit Score is 100+ points less than FICO8. Why?!

Your Credit Score is 100+ points less than FICO8. Why?!
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#22

UPDATE: 08/23/19

I applied for a NEW TD BANK card since I spend a lot on my Ally CC and pay it off immediately each charge. They are reviewing which usually means declined. We shall see. I applied for increases for a few cards again grouped by issuer. I got the following increases:

WayFair +2000
Discover +300
HSBC +1000

I did get declines for the other tries. All my declines now are from too many inquiries. I am shocked that I have 56 inquiries and I can still get credit line increases. So much for, “no more than 2 hard Inquiries in 2 years.” I am glad I didn’t follow that advice.

FICO 8: 695
Inquiries: 56 EX
Utilization: 1% ( bought a special computer to handle a project I am working on. 0% until jan 2020. will pay half this month and half next month) EX
Average Length of Credit: 2 years 4 months EX
Credit Cards: 39 EX
Credit Line: $154,407 EX

Credit Karma: Vanguard 3.0
639 TU
642 EQ
Inquiries: 34 TU
Inquiries: 30 EQ
Average Age: 10 mos TU EQ
On-Time Payments:
268 TU
274 EQ
Total Accounts:
41 TU
43 EQ