Personal Finance (Not Investing) • My credit score has dropped sharply, but my other credit score has not changed.

The credit score seen on the Amex portal has dropped significantly, but the credit score seen on the Chase portal has not changed at all.
Both information is provided by Experian, but Amex is FICO 8 and Chase is Vantage 3.0.

Which one should I trust? Or is there some kind of mistake?
To be more specific, FICO has been 782 since the end of the year, then 738 at the end of February and 732 at the end of March.
It is going down and down.
Vantage has been at 806 for a long time and has not changed in any particular way.

There are 4 possible factors
Last November my 9 year old Chase Freedom was closed because I didn't use it
In January, my oldest credit card of 11 years was fraudulent and had to be reissued
In January, I opened Amex Gold Card
I closed my chase UA card in February after a year before the annual fee was due

As mentioned above, I have opened and cancelled credit cards every year and have been a victim of fraud a few times.
But my score has never dropped like this.

I have no loans, no credit checks shows, my overall credit utilized low, pay my statement balance every month, and have never been late.

Will these reasons lower my credit score that much?
Why did one credit score drop and the other remain unchanged?

I was informed that my medical insurance was a victim of Data Breach recently, does this have anything to do with it

Statistics: Posted by exodusNH — Tue Apr 02, 2024 11:36 pm — Replies 5 — Views 700