01-18-2013 10:38 AM
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?
01-18-2013 10:49 AM
I remember reading something about Discover's score being "bankcard enhanced"..whatever that means.
01-18-2013 10:52 AM
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
01-18-2013 01:55 PM
Got my IT card a week or so ago, and the Discover score was the same as myFico EQ 744 on the same day.
01-18-2013 02:05 PM
01-18-2013 08:01 PM - edited 01-18-2013 08:02 PM
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:
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.
01-18-2013 08:17 PM
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 just PCed it to IT getting it first week in February.
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