Why are my scores different?

The reason your scores are different across bureaus and/or credit monitoring services is because all 3 companies- being separate entities- have their own rule book. Not to mention, some creditors report to the different bureaus at different times and each credit bureau has its own internal clock for updating the data that is available. For this reason, there are differences in the information reflected as well as the time they are reflected.

In addition, every credit monitoring site uses different scoring algorithms to calculate your overall score. Kindly note also, that you don’t have just three credit scores (one for each of your reports) but rather, hundreds of credit scores are commercially available (which includes both FICO and Vantage Score).