So, I use a number of monitoring services, to get a general idea of my credit. One of the products I use is Credit Sesame.
Well, today I checked my Credit Sesame account, and my score had dropped 11 points. I thought this was strange, considering it had gone up slightly on other sites. However, when I looked further, it said this was due to not reporting any kind of debt at all...
I have a number of credit cards, an auto loan, and about 2.5 years of history. And, Credit Sesame told me this morning that I don't have any of this... What is going on?! Has this happend to anyone? 
@Anonymous wrote:So, I use a number of monitoring services, to get a general idea of my credit. One of the products I use is Credit Sesame.
Well, today I checked my Credit Sesame account, and my score had dropped 11 points. I thought this was strange, considering it had gone up slightly on other sites. However, when I looked further, it said this was due to not reporting any kind of debt at all...
I have a number of credit cards, an auto loan, and about 2.5 years of history. And, Credit Sesame told me this morning that I don't have any of this... What is going on?! Has this happend to anyone?
No offense, but the last thing I would worry about is what Credit Sesame says about your credit profile. Im sure its a temporary glitch and if you're concerned, just pull one of your real reports from here or Experian or the other two CRAs.
@Anonymous wrote:So, I use a number of monitoring services, to get a general idea of my credit. One of the products I use is Credit Sesame.
Well, today I checked my Credit Sesame account, and my score had dropped 11 points. I thought this was strange, considering it had gone up slightly on other sites. However, when I looked further, it said this was due to not reporting any kind of debt at all...
I have a number of credit cards, an auto loan, and about 2.5 years of history. And, Credit Sesame told me this morning that I don't have any of this... What is going on?! Has this happend to anyone?
Same issue happened to me and it updated again today. This was an issue on 2/28, which caused my score to drop from 721 to 668 for the same reason as yours. Today, it updated again, now it went up to 742... so it seems to be a temporary glitch which should be fixed
Okay, phew... I was beside myself. I'm glad I'm not the only one. 
Thank you for the responses!
I just checked mine. Score jumped 60 points to 789, and it reads We could not calculate your credit usage because you don't have any open credit cards. 
@Anonymous wrote:I just checked mine. Score jumped 60 points to 789, and it reads We could not calculate your credit usage because you don't have any open credit cards.
So I lost 53 for not having any open cards and you gained 60 for the same reason! Makes PERFECT sense!
First off, it's a FAKO. If you're going to use CS then use it to monitor your data. Do not worry over the score it provides.
Second, no matter what scoring models you're comparing, don't assume that they will produce the same results. You should expect different algorithms to produce different results.
@Anonymous wrote:I have a number of credit cards, an auto loan, and about 2.5 years of history. And, Credit Sesame told me this morning that I don't have any of this... What is going on?! Has this happend to anyone?
If the data doesn't match then that's yet another reason why you can't expect scores to match. Any score is generated based on the data in a report. These numbers aren't just pulled out of thin air.