Discover FICO Version?

[Anonymous]

I applied for Discover More Card on 5/24.   Before I applied I pulled myFICO EQ it was 663.

Instant approval online $ 3000

I got my card today and a letter which stated FICO 723  Source Equifax  Date 5/24

Any guesses on which version?  

[MarineVietVet]

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@Anonymous wrote:

I applied for Discover More Card on 5/24.   Before I applied I pulled myFICO EQ it was 663.

Instant approval online $ 3000

I got my card today and a letter which stated FICO 723  Source Equifax  Date 5/24

Any guesses on which version?  

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We believe it to be a credit card enhanced FICO08.

[cardslayer]

Same thing happened to me. I was about to post but found this post. Right AFTER I app'd I checked myFico here on this site and it was EQ - 655. Got the card and the letter in the mail today (different mailings, but arrived at same time) and it said 677. I was thoroughly confused , but makes sense that they use an enhanced scoring model of sorts. Thanks for clarifying!

[tcbofade]

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@MarineVietVet wrote:

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@Anonymous wrote:

I applied for Discover More Card on 5/24.   Before I applied I pulled myFICO EQ it was 663.

Instant approval online $ 3000

I got my card today and a letter which stated FICO 723  Source Equifax  Date 5/24

Any guesses on which version?  

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We believe it to be a credit card enhanced FICO08.

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...and there isn't a way that we can get access to that score, is there?

[MarineVietVet]

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@tcbofade wrote:

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We believe it to be a credit card enhanced FICO08.

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...and there isn't a way that we can get access to that score, is there?

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I'm not sure what you're asking. Do you mean the CC enhanced FICO08 or the Classic TU08 offered to Walmart Discover and store card holders?

[Revelate]

@tcbofade wrote:

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We believe it to be a credit card enhanced FICO08.

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...and there isn't a way that we can get access to that score, is there?

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There's no method currently for getting a credit-enhanced (or any other industry option pull) without going through a lender unfortunately to my knowledge, and I think that's absolutely accurate in this case.

[negg]

Just got a pre approved letter applied....approved for 1500. Limit. Here's the kicker my fico was 675 took a hit two weeks and went over my limit on 1 of my cards dropped my score to 615. Since then the bal was paid off. Amazing I got approved for 1500. Mahalo discover, I will treat you right.