Why your credit score can change
One number doesn’t tell the whole story. Here are the differences worth checking before assuming something is wrong.
Different apps, different scores
Two apps may use different scoring models, model versions, credit bureaus, or update dates. Both scores can be legitimate even if they don’t match. A lender might use a different score from either app.
What can change a score?
Payment history, how much revolving credit you’re using, new applications, and changes to your accounts can affect scoring. The effect depends on the model and your overall credit history.
What to check first
• Which scoring model is each app showing?
• Which bureau supplies the information?
• When was each score updated?
• Is there any new or incorrect information on your reports?
Sources: CFPB on different scores and CFPB credit reports and scores.
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