Regular Contributor
Posts: 119
Registered: ‎10-25-2011

Discover Credit Scores...

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 which one is right?

Valued Contributor
Posts: 1,880
Registered: ‎03-30-2012

Re: Discover Credit Scores...

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

Scores 1/12/2014: TU FICO: 660 | EQ FICO: 665 | EX AMEX FICO: TBD

In my new wallet: American Express Premier Rewards Gold EMV: NPSL | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $1500 | Amazon Rewards Visa: $1500 | Chase Freedom: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1250 | Target: $500 | J.Crew $9550
Valued Contributor
Posts: 1,970
Registered: ‎09-16-2011

Re: Discover Credit Scores...

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

Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Sally Mae5k Sams Club MC 10k, Paypal Extras MC 6k, CapOne QS 2.5k, QS 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 12/15/2014
Posts: 87
Registered: ‎11-01-2012

Re: Discover Credit Scores...

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



The ole wallet~ BOA AMEX $10k | Discover it $9k | AMEX TE $8.8k | Citi TY Pref $8k | Barclays Arrival+ WEMC $7.5k | Chase Feedom VS $7k | Paypal SC $5k | Amazon Store Card $5k | Captial One QS $4.2k | Dell $4k | Citi Citgo $1.6k |

Fico scores TU 827 EQ 806 EX 803
Regular Contributor
Posts: 179
Registered: ‎12-08-2012

Re: Discover Credit Scores...

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

Amex BCP 12,500 - Amazon Chase Signature 10,000 - Discover It 8,000 - Walmart MC 7,500 - Citi Diamond 6,100 - Lowe's 6,000 - Fulton 6,000 - Amazon Store Card 2,000
Frequent Contributor
Posts: 420
Registered: ‎09-16-2012

Re: Discover Credit Scores...

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

Starting Score 9/12: EQ 645 TU 641 EX 651
Current Score5/13: myFico EQ 729 DicoverTU 710 myFico EX 734
Goal Score: 750

AMEX PRG,AMEX BCP-$15.1k,US Bank PLOC-$15K,CSP-$15k,Freedom-$6k,CapOneVisa-$15k,US Bank Visa-$10k, DCU Visa-$10k,Paypal MC-$15k,USAA MC-$12k,Lowes-$8600,CapOne Visa-$10k,Discover IT-$12.9K,BoA Visa-$10.1K Walmart -$4k,GECU Visa-$3500, US RLOC-$750

Take the FICO Fitness Challenge
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012

Re: Discover Credit Scores...

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

Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Posts: 10,309
Registered: ‎12-30-2011

Re: Discover Credit Scores...

[ Edited ]

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.

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 683, EQ 8 690, TU 710, EX 715 (01/01/15)
Goal Score: 700 on EQ 04 (01/01/16)

Take the myFICO Fitness Challenge
Established Member
Posts: 15
Registered: ‎12-24-2012

Re: Discover Credit Scores...

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.

Starting Score: FAKOS EQ 627 TU 687 EX 627 CK 713 (12/12)
Current Scores: FICOs EQ 698 TU 708 (7/13)
Goal Scores : 720+ across the apps till Jan 2014

In wallet:CAP1 (Closed)/BOA CASH (5k)/DISCOVER (5.5k)/CHASE FREEDOM (3k)/BARCLAYS (3.3k)/AMEX BCE(1k)
Future wallet: Citi,

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+