Credit Advice

This is definitely part of the reason. Also Vantage score has different weights than the traditional model. Vantage values recent accounts and debt load more. I think the combination of those things explain the differences you are seeing. 

Keep in mind that the site is pulling information from a credit burea, which is getting information only as quickly as the creditors send it to them.  The problem is not with this site, it's with the credit burea system.

Trish, I've had the exact same thing happen the last two weeks. I had a 806 that has stayed 806 for over a year now. Suddenly, for no reason, it plummets to 749, a 57 point drop. I've paid in November and December exactly like I've always done, paid the entire balance on my VISA, and paid a big chunk of principle off my home equity account. No borrowing, no lates, something is terribly wrong here...

I had the exact same thing happen, I monitor my credit monthly with a paid service and my credit is 50 point higher and has ben that way for over a year. I think that Trish is onto something.....I almost fell for it, instead I am going to cancel this scam.

and yes you have to wait exactly 1 yeear and one day fromthe lst freebie in order to get it.along with transunion is a apin in the ***.. I always have to send in proof of this that and everything else just to get the **** report. even if nothing changed.

the scores you get from freecreditscore, atleast freescore.com are a lot different then if you have a mortgage company pull your report. Mine were all several points lower through the mortgage company.

LATONYALAWRENCE, it does not affect your score at all to check it on creditkarma, even if you do it every day. They use what are called "soft inquiries" to pull your credit report, which are inquiries that only you can see and don't impact your score at all no matter how many of them you have.  It is the same type of inquiry that a credit card company uses before they mail you ads for their credit cards. As far as paying off your car loan, you'd be surprised to hear that it generally never has a positive impact on your score.  The decrease in debt is negligible, because your principal balance is probably already very low (if you almost have it paid off), and also the credit scoring formula doesn't weigh auto and mortgage debt very heavily in the first place.  As evidence of this, I added a $230,000 mortgage to my credit report recently, and my score went up, because the act of having a mortgage in the first place is more important than how high tthe balance is.  Credit card debt is by far the most heavily weighted out of all the debt types.  Additionally, when your auto loan account gets closed, it reduced your "variety of credit types", because you no longer have an open installment loan on your report, which is considered one of the 4 types of credit (mortgage, installment, retail credit cards, and regular credit cards).  Your variety of credit types makes up about 10% of your score.  And finally, your "average age of open credit lines" decreases when your loan account closes.  However, your score will likely not drop very much, and will pick back up over time. You can speed up the process by applying funds you would have paid towards your car loan after it closes towards your credit card debt (if you have any) until you get your credit card usage below 10%.  Hope that helps.