Updating credit score
If there’s incorrect information about your Wells Fargo accounts, please call the Wells Fargo phone number in your credit report.The score version you receive may change if you open or close eligible Wells Fargo accounts or if you remove or add an account in online settings.
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 at that time.Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are Wallet Hub advertising partners.Our content is intended for informational purposes only, and we encourage everyone to respect our content guidelines.FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.Wells Fargo and Fair Isaac are not credit repair organizations as defined under federal and state law, including the Credit Repair Organizations Act.In contrast, all of the other free-credit-score sites update their scores on a monthly, or maybe even weekly, basis at best.
So they might not show your actual current credit score for days.
Your credit score will change if you apply for a new loan or line of credit, too.
“Think of your credit score as a moving target,” Equifax recommends.
Comparing key score factors from the two different time periods can help identify causes for changes in FICO Score and the Score Factors affecting your credit score were provided to Wells Fargo based on information within your credit report on the calculation date (“as of” date).
If you feel this information is inaccurate, your next step should be to request a free credit report from Annual Credit If there’s incorrect information within any of your credit reports, follow each bureau’s instructions on how to dispute that information.
FICO periodically updates its scoring models and Wells Fargo may choose to upgrade to a more updated score version.