Why does a 'Fico Score' fluctuate so much?

Your FICO credit score is based on a number of factors: how long you have had credit, how much credit you have, how much money you owe, whether you pay your bills regularly and on time, whether you have many late payments, whether you were ever in bankruptcy or default on a loan, etc. Because any (or all) of these factors can change, so can your FICO score.