Why can your FICO score change in such a short time? And is it the real FICO score?
You also will see different numbers depending on which credit bureau report is used to create the score and which version of the score is used. Credit scoring formulas may be designed for certain industries and formulas are updated over time.
So your FICO Auto Score 6 from Experian likely won’t be the same as your FICO 4 from TransUnion, your FICO Bankcard Score 4 from Equifax or your VantageScore 3 from any of the bureaus, even if you get all the scores on the same day. It can be hard to predict which score a lender will use, but the same behaviors tend to be rewarded by all of them. Those behaviors include paying bills on time, using only a small portion of your available credit, having different types of credit and applying for new credit sparingly.
If you’re using a score to monitor your credit, it’s important to use the same kind from the same bureau — otherwise you’re comparing apples and oranges, as we say in English.I read that you can pay Social Security back the payments you’ve received in order to “reset the clock” and get a larger benefit.
Unfortunately, the “do over” option is now only available in the first twelve months after someone begins receiving benefits. People who change their minds during that period can withdraw their Social Security applications, pay back the money they received and then restart their benefits later, when the amounts they get would be larger.
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