topic Re: Discover Credit Scores... in Credit Cards

Discover Credit Scores...

AshCas — Fri, 18 Jan 2013 18:38:15 GMT

I got my Discover It card in the mail today (yay!). What kind of confused me is that on the letter they sent me, they said my Equifax FICO was 728 - on the same day that myfico said it was 752. I know there's only one true fico score...so which one is right?

Re: Discover Credit Scores...

injustifiiable — Fri, 18 Jan 2013 18:49:09 GMT

I remember reading something about Discover's score being "bankcard enhanced"..whatever that means.

Re: Discover Credit Scores...

jamesdwi — Fri, 18 Jan 2013 18:52:23 GMT

as mentioned elsewhere today, there are 49 versions of FICO scores so both scores are right, its just a matter of which one the creditor is using

Re: Discover Credit Scores...

akabigo — Fri, 18 Jan 2013 19:08:01 GMT

When I applied for mine, MyFico said 806, Discover said 800. Close enough I guess

Re: Discover Credit Scores...

SE7EN57 — Fri, 18 Jan 2013 21:10:23 GMT

My girlfriend just got her $1,200 discover it card and it showed her fico score was only 651.

Re: Discover Credit Scores...

racer-x — Fri, 18 Jan 2013 21:55:43 GMT

Got my IT card a week or so ago, and the Discover score was the same as myFico EQ 744 on the same day.

Re: Discover Credit Scores...

Duncanrr — Fri, 18 Jan 2013 22:05:10 GMT

My Discover EQ FICO was 699. Myfico EQ at the time was like 680.

Re: Discover Credit Scores...

Revelate — Sat, 19 Jan 2013 04:02:15 GMT

Without their stating so, we're pretty confident that Discover isn't using the EQ version found here, namely EQ Beacon 5.0 / EQ FICO '04 base or classic.

It's possible they're using:

FICO '04 Bankcard-enhanced
FICO '08
FICO '08 Bankcard-enhanced (my personal bet)

The other options aren't particularly likely; however, sadly without a lot more anecodtal data or unless there becomes a legal mandate to disclose the exact score that was used, we're sort of making SWAG's.

Re: Discover Credit Scores...

financekid — Sat, 19 Jan 2013 04:17:17 GMT

No FICO score yet credit too young, just moved here from UK with 2 months secured cards reporting approved for Discover Motiva 12/12.Approval letter had my Creditkarma score 713:womansurprised: just PCed it to IT getting it first week in February.