Why is my Credit Score different through the different sites?

Mortgage and Lending with FHA, VA, Jumbo, Downpayment Assistance, Conv. NMLS #276329

If the score you received from different sites looks different from the one you are used to seeing, this may be normal. We recommend you check the following:

  • Score model: There are many scoring models, and they may weigh certain information in your reports more heavily than other factors. For example, one scoring model may put more emphasis on total credit usage than others. Because there are varied scoring models, you'll likely have different scores from different providers.
  • Credit report: A credit score is calculated using information from a particular credit report. Each of the nationwide credit reporting agencies (TransUnion, Experian and Equifax) collects similar information, but lenders can choose to report to one, two or all three agencies. Because of this, the information in your reports can vary, which is one reason your scores can differ too.
  • Score date: Your credit score can change depending on the day it's calculated, even if the same scoring model and credit report is used. This is because scores can change as information in your credit reports is updated. If a lender reports new information about you, such as new inquiries, or a change in account status or balance that could affect your score.
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Lisa Perry, Senior Loan Officer

"Your Northern VA Mortgage Specialist"


NMLS ID #86548 / 276329


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John Pusa
Glendale, CA

Hello Lisa Perry - NMLS # 276329 very valuable educational report about why is my credit score different through the different sites.

Nov 01, 2022 02:16 PM