Understanding my current credit score, overnight changes

[RichieNY]

Overnight my credit scores shot up to 544, 538, and one shot down to 495...

This is unexplainable to me because I have not done anything differently.

But, my question is when you apply for a credit card is there one particular score they look at? or is it all 3?

In other words if a particular card looks for a 550 minimum and you are only at 550 for 2 scores, would you be approved or would the one 495 hold you back?

[Anonymous]

Are these scores that were gotten here at myFICO?

As for CCs, some CCC only pull 1 CR, some pull all three. Whether they would approve you if only 2 of the 3 scores met their requirement would depend upon that certain CCC.