How is my Equifax credit score determined?

I recently turned 18 and opened a credit karma account so once I got my first credit card I could start watching how my credit is doing. I got my first card and made 2 small purchases (Less than $25) and it already showed up on my credit karma account. Trans Union doesn t even show the inquiry for the credit card... show more I recently turned 18 and opened a credit karma account so once I got my first credit card I could start watching how my credit is doing. I got my first card and made 2 small purchases (Less than $25) and it already showed up on my credit karma account. Trans Union doesn t even show the inquiry for the credit card but the Equifax score shows a score of 662? I was told it would take a few months before I get a score and that it should generally be pretty low. Can someone explain to me how this is determined?
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