<prompt> Human: I check my credit score religiously using 4 different websites Chase, Citi, Mint, Discover and have been slowly going up and was at an average of 740 across all reports when I applied for an auto loan through chase. When I received acceptance of the loan, it reported my credit score at 686! This gave me a fairly unsavory interest rate on the loan. I reapplied for the loan jointly with my wife who has a slightly worse score due to shorter credit history and the new loan got accepted with a score of 739. Any one have thoughts as to why this happened? I know not all credit scores are created equal Vantage 3.0, FICO etc. but I have consistently averaged 740 minimum for a while and even on Chases own website it shows me at 745.For more info: I applied for the loan in March. From January to May my credit score on all sites listed has shown increase from 740 to 755. I have a perfect credit history although it isnt that long oldest account just shy of 6 years. I have a mortgage and student loans, 3 credit cards and am 24  <response>: This is common and differs wildly from person to person. Some see their scores drop a few points, others see it drop over one hundred. 