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Due to these factors, opening a new account is likely to drop your credit score in the short term.

Credit scores can change once a week for some and not at all for months (or even longer) for others.It usually takes specific changes to your credit information for your score to move, and once these changes occur, it could take some time for your credit report to reflect your new status.When you check your credit score for free with Credit Sesame it makes no impact on your credit score since it is a soft credit check, not a hard credit check.When doing a soft credit check you are only pulling your credit score to view how you are performing, not because you are applying for a loan or other type of credit that you are hoping to get approved for.Once you open your new account you will get an instant credit check from Trans Union, using Vantage Score 3.0, which has their own way to calculate credit scores.

Other credit score models include the FICO score, which uses a different methodology to calculate your credit.We’ll show you personalized, objective savings recommendations on home loans, credit cards, auto loans and more.Doing a credit history check is easy with Credit Sesame.Specifically, bad credit ranges from 300 to 629, fair credit ranges from 630 to 689, good credit ranges from 690 to 719, and finally, excellent credit which ranges from 720 and to 850.Other popular credit score range formulas exist, such as the Vantage Score, which is what Trans Union, our credit score provider uses. Checking your credit score with Credit Sesame is easy and can be done every month to see how your credit is performing.When you open a new line of credit, a few immediate changes are usually made to your credit report.