How does the Score & history page work?
Score & history shows your score for each bureau (Equifax, Experian, TransUnion) with a 300 to 850 gauge, a "Last updated" date, and a History table logging every past report sync. Small differences between the three scores are normal since each bureau keeps its own file. CreditRefresh does not label which scoring model is shown; it is the score provided through your credit monitoring. A new row appears in History only when a fresh report syncs.
What's on the Score & history page
The page opens with a freshness note such as "Last synced just now," then Your credit score: bureau tabs for Equifax, Experian, and TransUnion, a gauge for whichever tab is selected running from 300 to 850, the current number with a change indicator like "+0," and a "Last updated" date.
The History table
Below the gauge, a History table lists one row per report sync, with columns Date, Equifax, Experian, and TransUnion, so you can compare all three scores from the same day at a glance. A new row is added only when a fresh report syncs (see How often does my credit report update), not every time you open the page.
Which score model is this?
CreditRefresh does not label the score shown as a specific model. It is the score provided through your credit monitoring, shown on the standard 300 to 850 scale. If you are comparing it to a score you saw elsewhere and the numbers do not match, that is expected: different services can use different scoring models. See FICO vs VantageScore for how models differ, and Why are my three credit scores different for why bureau-to-bureau numbers vary.
Why the three bureau scores differ
Equifax, Experian, and TransUnion each keep their own file on you, built from whichever creditors and collectors report to that particular bureau. A small gap of a few points between bureaus is normal and does not mean anything is wrong. It reflects that the underlying data is not identical across the three files.
Why a score might look unchanged between dates
If two History rows show the same numbers, it means no bureau reported a change to your file between those sync dates. That can happen while a dispute round is still pending a bureau response, since scores generally move only after a bureau updates your file, not while a letter is in transit or under review.
Because a new History row appears only when a report syncs, the table naturally follows your report's own refresh cadence rather than every login. If you are watching for movement after a dispute, checking back after a bureau has had time to respond and a new report has synced is more useful than checking daily.
Related articles
Your three credit scores differ because the bureaus — Equifax, Experian, and TransUnion — operate independently, receive different data from different creditors, update on different schedules, and feed that data into different scoring models. Gaps of 10 to 50 points are normal. Bigger gaps usually signal that one bureau is missing information or has a reporting error worth disputing.
FICO and VantageScore are competing scoring model families from different companies. Both currently score 300 to 850 from the same bureau data, but they weight it differently, which is why the same report produces different numbers. Most lender decisions use FICO; most free credit apps show VantageScore. Both compute from your reports, so report accuracy drives both.
Credit scores are recalculated every time your report changes. Common reasons for a drop include a new hard inquiry, a higher balance or utilization, a late or missed payment, a closed account, or a new collection or charge-off. Some drops reflect real activity; others come from reporting errors you can dispute. Check what changed on your report before assuming the worst.
Your credit report refreshes at most once every 30 days through a soft pull with your monitoring provider, and soft pulls never affect your score. If your newest report is already less than 30 days old, refreshing reuses that report and confirms it is already current instead of pulling a new one. The dispute flow always shows the date of the report it is working from. If a report seems stuck well past 30 days, see the separate troubleshooting article for that.