Score dropped as soon as I purchased it

[WiPackFan]

This is my first post, if it's been covered before, forgive me...

I just got a score watch alert and found my score went up from 595 to 639.  However, when I purchased my score and report minutes later, it had dropped to 616.  Is this common?  I thought checking your score here wouldn't hurt it.

[pizzadude]

Welcome to the forums !

You are correct that checking your own report won't affect your FICO score ~ the difference would have had to come from some other change on your credit reports, perhaps a change in reported balances or something like that.    Score Watch doesn't always generate an alert for every change.

[WiPackFan]

Well, it happened again. I got a score watch alert that my score went up 11 points to 667. Later in the day, I purchased a report to see what may have changed, and once again my score dropped. This time by 14 points. Any ideas why this may be happening?

[lhcole77]

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@WiPackFan wrote:
Well, it happened again. I got a score watch alert that my score went up 11 points to 667. Later in the day, I purchased a report to see what may have changed, and once again my score dropped. This time by 14 points. Any ideas why this may be happening?

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What was reason given for increase? What did report look like when score was 667? And what did report look like after 14 point drop?

[NRB525]

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@lhcole77 wrote:

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@WiPackFan wrote:
Well, it happened again. I got a score watch alert that my score went up 11 points to 667. Later in the day, I purchased a report to see what may have changed, and once again my score dropped. This time by 14 points. Any ideas why this may be happening?

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What was reason given for increase? What did report look like when score was 667? And what did report look like after 14 point drop?

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and if you are getting a ScoreWatch alert, that's not from MyFICO, correct? So are you going somewhere other than MyFICO to "buy" your score? If so, you may be getting their proprietary score which could be fundamentally different from the FICO you see on an app reasons letter, or from MyFICO.

If you buy the 3-bureau monitoring here, you start with a full set of three current CR, you get your starting FICO score, and as items change on your report (at least those which create any triggers) you get a + or - score change and a short explanation of what that change is. Then you aren't running around looking for another source and potentially confusing yourself.