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 11:08 AM
When I applied for mine, MyFico said 806, Discover said 800. Close enough I guess
01-18-2013 01:10 PM
My girlfriend just got her $1,200 discover it card and it showed her fico score was only 651.
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.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.