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re: Why did my credit score change?
Posted on 12/3/18 at 5:43 pm to The Last Coco
Posted on 12/3/18 at 5:43 pm to The Last Coco
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.
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.
1
Posted on 12/3/18 at 6:28 pm to HYDRebs
quote:
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.
Both taken at the same time but one is a weekly vs a monthly. The trend holds though. I took a dip in September/october for both.
quote:
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.
No accounts closed to my knowledge.
quote:
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.
Thanks. That's at least comforting. Had an issue on an auto loan where 780 was a cutoff point but hadn't bought a house in a minute and wasn't sure.
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