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re: Why did my credit score change?

Posted on 12/3/18 at 3:49 pm to
Posted by The Last Coco
On the water
Member since Mar 2009
6842 posts
Posted on 12/3/18 at 3:49 pm to
Experian and TransUnion

They're both run through a Chase account I have.
Posted by HYDRebs
Houston
Member since Sep 2014
1243 posts
Posted on 12/3/18 at 5:43 pm to
Each credit bureau has a slightly different formula. If you received your score from experian one time and transunion the other time that could give an indication as to why you have different scores.

If that is not the case another reason you didn't list might be if an account you had closed lowering your total amount of credit available.

Regardless, If you are worried about it because you are buying a home in the future a majority of lenders do not have pricing hits on interest rates until you get down to 760 or even 740.
Posted by PearlJam
NotBeardEaves
Member since Aug 2014
13908 posts
Posted on 12/3/18 at 8:55 pm to
quote:

Experian and TransUnion

They're both run through a Chase account I have
My Chase account provides a TransUnion Vantage Score 3.0. changes are your lender will use a FICO8 or other FICO model. Just FYI. Not sure the explanation for your score drop.
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