When you’re getting your credit score from multiple sources, it’s not uncommon to see slight differences in your scores.
For one, there are several credit scoring models in use, and they all weigh the factors that affect your credit score differently. If one source you’re getting your credit score from uses a different credit scoring model than another, it’s likely that you’ll see minor variations in your scores.
In addition, not all lenders report to all three major credit bureaus – some may only report to one or two. The bureaus calculate your score using the information provided to them, so if they’re not all receiving the same information, there’s bound to be differences in your scores.
Finally, it can take some time for credit bureaus to receive up-to-date information from your lenders. When you’re checking your credit scores, it’s important to note the date they were last updated. If you’re comparing your scores across bureaus, make sure they were all updated around the same time.
For more information, take a look at our article FICO vs. VantageScore: What’s the Difference?