Why do my FICO® Scores fluctuate/change?
There are many reasons why a score may change. FICO® Scores are calculated each time they are requested, taking into consideration the information that is in your credit file from a particular consumer reporting agency (CRA) at that time. So, as the information in your credit file at that CRA changes, FICO® Scores can also change. Review your key score factors, which explain what factors from your credit report most affected a score. Comparing key score factors from the two different time periods can help identify causes for a change in a FICO® Score. Keep in mind that certain events such as late payments or bankruptcy can lower FICO® Scores quickly.
FICO Scores FAQ
- How do I check my credit report?
- Why is my FICO® Score different than other scores I've seen?
- What are Key FICO® Score Factors?
- Information for FICO® Score Source
- Why is my FICO® Score not available?
- Will receiving my FICO® Score impact my credit?
- How often will I receive my FICO® Score?
- How are FICO® Scores calculated?
- Why are you providing FICO® Scores?
- What Are FICO® Scores?
