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Question By
DrMiguelitoLoveless

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Why does my VantageScore oscillate up and down, month to month?
Since April my TU score has steadily climbed from 714 to 740, as my credit usage declined from 13% to 4% and my credit lines increased by about $15,000. I have no late payments or derogatory remarks, but at the same time VantageScore swings wildly:

Apr - 770
May - 861
Jun - 785
Jul - 866
Aug - 787
Sep - 865
Oct - 801

I can see no reasons for these oscillations.

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Top Contributor
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I have found the same thing but would not get too distressed over it since the Vantage score is relatively obsolete. It costs a few dollars but go to MyFico and that is your true score and the one that lenders, etc looks at. Everything else is basically a model including the free credit score you get here.

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