How does the Score & history page work?
CreditRefresh's Home score cards show VantageScore 3.0 for each bureau with available score data. Compare the score model, bureau and report date when another service shows a different number.
CreditRefresh's Home score cards show VantageScore 3.0 for each bureau with available score data. Compare the score model, bureau and report date when another service shows a different number. No score yet does not establish why data is missing and is not a zero score. A fresh analysis does not guarantee a newly fetched report. Contact support with the bureau and date if a score is missing or appears inconsistent.
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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.
CreditRefresh does not fetch a fresh report on an unconditional 30-day timer. Opening Home can start a results check when one is due, and Refresh can reuse recent report data.