The credit bureaus calculate your credit score based on the information contained in your credit file. As your credit history changes, your credit score will also change. Some creditors only report information to certain bureaus and not to others, which will also cause the changes in the scores. In addition to the reporting variations, the information reported whether good or bad will impact your score. For instance, if you pay down a revolving account, your score may increase. However, on the other hand, if you are more than 30 days late, you may have a decrease in your score. Remember activity, whether good or bad, has an affect on your credit score, so stay committed to the good stuff!
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