Why does your credit score change?

Your credit score is a snapshot of your creditworthiness at a given point in time, and it fluctuates as a direct result of your credit-related actions and the information included in your credit reports.

Your credit reports are updated whenever new information is provided by lenders, collection agencies, or any other sources; however, the information included within each of your credit reports may vary somewhat based on what information was provided to each of the three national CRAs.

Read other Q&As

• How does a personal loan work?
• How long does it take to get a personal loan?
• How much can I borrow for a personal loan?
• How much will my personal loan payments be?
• I have bad credit. Can I still get a loan?