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.