There are many reasons why a score may change. FICO^® Scores are calculated each time they are requested, taking into consideration the information that is in your credit file from a particular consumer reporting agency (CRA) at that time. So, as the information in your credit file at that CRA changes, FICO^® Scores can also change. Review your key score factors, which explain what factors from your credit report most affected a score. Comparing key score factors from the two different time periods can help identify causes for a change in a FICO^® Score. Keep in mind that certain events such as late payments or bankruptcy can lower FICO^® Scores quickly.