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Member Since: November 2014

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Why has my credit score changed so drastically?

Feb 07, 2016
Identity Theft

I would not only look at your score, but your credit report in detail.  Simply make sure no one has opened an account in your name or a creditor has reported wrong payment information.  This free service does the very best they can to keep you informed of your credit score; however, their model makes corrections on the information received.  Something given to the model, recorded data from your creditors, changed your score.  The explanation is there, you just have to find it.  I know it is frustrating, but we cannot rely on this service to give us the answer.  On the other hand, being denied a loan based on credit score will drive that very score down.  These questions aren't easily answered.  I hope some of this rambling helped.