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Regular Contributor
AshCas
Posts: 119
Registered: ‎10-25-2011
0

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 score...so which one is right?

Valued Contributor
injustifiiable
Posts: 1,867
Registered: ‎03-30-2012
0

Re: Discover Credit Scores...

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

Scores 6/17/2014: TU FICO: 643 | EQ FICO: 675 | EX AMEX FICO: 666

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 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1250 | Target: $400 | J.Crew $5950
Valued Contributor
jamesdwi
Posts: 1,970
Registered: ‎09-16-2011
0

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
Contributor
akabigo
Posts: 84
Registered: ‎11-01-2012
0

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 814 EQ 806 EX 803
Regular Contributor
SE7EN57
Posts: 178
Registered: ‎12-08-2012
0

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
racer-x
Posts: 377
Registered: ‎09-16-2012
0

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

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Valued Contributor
Duncanrr
Posts: 2,857
Registered: ‎06-08-2012
0

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

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Moderator
Revelate
Posts: 9,762
Registered: ‎12-30-2011
0

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 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


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Established Member
financekid
Posts: 15
Registered: ‎12-24-2012
0

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 board..........no 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,

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