A large, unexplained swing could be a sign of identity theft and should be investigated. You can keep an eye on your credit score and credit report information with NerdWallet.
Checking your own credit doesn't hurt your score. How often do credit scores update? See your free credit report. Know what's happening with your free credit report and know when and why your score changes.
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Every new report from a creditor brings potential adjustments to your credit report, which are reflected in changes in your credit scores. Depending on how many credit accounts you have, it's possible for your credit score to change weekly or even daily.
And depending on the time of day your report happens to get updated, differences in scores taken just an hour apart could reflect changes in credit file data. Exactly how much your score will change with each update depends on how much your credit card balances fluctuate, how often you apply for and open new accounts, and whether you're keeping up with bill payments.
If you were to check your credit score every day, no matter which credit scoring system was used, it would be normal to see the score move up and down a bit. Rather than worrying about these small fluctuations, your focus should be on long-term score improvement.
Fortunately, no matter which scoring system is used, you can promote credit score improvements by cultivating good habits around a set of factors that influence all credit scores. Continual updates to your credit report can cause frequent credit score changes, but day-to-day and week-to-week fluctuations are less important than long-term improvements you can achieve when you develop good credit habits.
Learn what it takes to achieve a good credit score. The purpose of this question submission tool is to provide general education on credit reporting.
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