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5 lessons from free credit score notices

Your credit score can change
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Your credit score can change © photastic/Shutterstock.com

Your credit score can change

The most heartening part of a free credit score disclosure: Your number is not fixed.

"While the score is the one used to make that decision, it's still a snapshot in time," says Graham. Hence the date on the disclosure notice, which indicates when the score was calculated.

So, if you pay down debt or bump against a credit limit, your credit score could be higher or lower the next time it is pulled. Your score can change as often as the information in your credit report does.

"We want consumers to use the information as a tool rather than a source of frustration," says Griffin.

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Editorial Disclaimer: The editorial content is not provided or commissioned by the credit card issuers. Opinions expressed here are author’s alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers.

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