In general, Credit scores do not change that much

over time. But it's important to note that your

Credit score is calculated each time you request 

it either you or a lender.

So, when your credit report changes, your

Credit score can also change.

Factors causing the change

 For example, if someone who usually pays

bills on-time continues to do so (a positive action)

then there will likely be only a small impact on their

score one month later.

On the other hand, if this same person

files for bankruptcy or misses a payment,

then there will most likely be a substantial impact

on their score one month later.

There is sometimes a wait time between when

you perform an action

like paying off your credit card balance in full and

when it is reported by the creditor to the credit bureau.

It's only when the credit bureau has the updated

information that it will have an affect on your Credit score.

Small changes in your score can be important

if you're looking to obtain a certain Credit score level

or if you are striving to reach a certain lender's

Credit score "cutoff" (the point above which a lender

would accept a new application for credit, but

below which, the credit application would be denied).

 Credit scores change over time - how you have

managed your credit to date will affect how a

particular action may impact your score.

For example, new information on your credit

report, such as opening a new credit account, is

more likely to have a larger impact for someone

with a limited credit history as compared to someone

with a very full credit history.

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This is how i moved from 500 credit score to 871 Transunion score