Credit Scores

Credit scores range from 300 to 850. They’re calculated based on information in your credit report. It’s normal to have different credit scores across credit bureaus. Scores can also vary based on the day it’s calculated.

  • You can’t dispute your credit score, however you can dispute the information in your credit report, which is used to calculate your credit score
  • Think of your score as a snapshot of your credit history at one moment in time
  • Your score may change when lenders share updated account information with the credit reporting agency; this typically happens on a monthly basis or in response to a dispute
  • Sometimes your score may fluctuate for reasons you haven’t considered, like closing or paying off an account
disputes scores

Why can’t I dispute my credit score?

Your score is calculated based on the information in your credit report. It factors in payment history, length of credit history and other information. As that information changes, your score changes.

Because of this, we can’t accept disputes for credit scores. We can accept disputes for information on your TransUnion credit report if you think there's something inaccurate or incomplete.

Why did my credit score change?

Scores can change when information is added or removed from your credit report, like when you apply for credit or miss a payment. Continuing to make on-time payments and keeping balances low may result in a positive impact to your score. While it may seem like closing an account or canceling a credit card could help raise your score, it may temporarily drop when you lose that information on your report. Healthy habits like those you probably used to pay off your debt will continue to help you improve your credit health over time.

Why do I have different credit scores?

Credit reporting agencies collect similar information from lenders, but lenders can choose to report to one, two or all three agencies. And agencies may use different scoring models, which may weigh certain information in your reports more heavily than other factors. That’s why information in your credit report can vary, and why your score can too. Use our tool to learn how to read your credit report and better understand your score.

Your score can also change depending on the day lenders provide updated information to each agency. If you check your credit score before the latest data is included in your credit report, you won’t see those changes.

What You Need to Know:

The credit scores provided are based on the VantageScore® 3.0 model. Lenders use a variety of credit scores and are likely to use a credit score different from VantageScore® 3.0 to assess your creditworthiness.

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