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Contributor
ezef3ar
Posts: 105
Registered: ‎09-15-2012

Discover score tracker

Discover offers the score tracker.... Do you guys recommend to have the score tracker for 9.99$ a month I know it's not the real fico score but it should be nice to see every detail of my credit Im just not sure if it is worth paying for it.... Does any of you guys have it and what do you think about it ???
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012

Re: Discover score tracker

CK and Credit Sesame are free

Regular Contributor
hateAshbury
Posts: 131
Registered: ‎11-14-2011

Re: Discover score tracker

in what sense are the FICO scores being reported by Experian, Equifax, TransUnion not "real" FICO scores?


Starting Score: 653 (11/1/2011 TransUnion)
Current Score: 719 (5/3/2012 TransUnion) 572 (3/21/2012 Equifax) 762 (4/14/12 VantageScore)
Goal Score: 700


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Regular Contributor
pt2005
Posts: 129
Registered: ‎10-12-2012

Re: Discover score tracker

I just cancelled via chat with Discover rep. No question asked. 

I ordered $9.99/mo but did not see a charge after 2 weeks. Also did not see any "alerts". Pulled their Experian score everyday and no score changes.

 

Not impressed at all. Besides their 3-bureau scores are about 20-30 points lower than my FICO.

 

Hope this helps.

FICO Scores: EX 744 (Quizzle), myFICO EQ 675, myFICO TU 708
Credit Cards: Chase Freedom 7k | Cap1 Spark Cash 5.5k | AMEX TrueEarnings 4.5k | Cap1 Cash Visa 3.5k | Cap1 Cash MC 3.5k | AMEX SimplyCash 3K | Discover IT1k
Store: PayPal SmartConnect 5k | JCP 4.2k | Banana 3k | Walmart 2.2K | Kohls 1500 | TargetRED 300
Valued Contributor
chnceit
Posts: 1,524
Registered: ‎08-17-2008

Re: Discover score tracker


ezef3ar wrote:
Discover offers the score tracker.... Do you guys recommend to have the score tracker for 9.99$ a month I know it's not the real fico score but it should be nice to see every detail of my credit Im just not sure if it is worth paying for it.... Does any of you guys have it and what do you think about it ???

I just got this. I got it because you cant beat $9.99 for all 3 reports even though its FAKO its still nice to get a glimpse at your reports. Plus you can pull your Experian reports daily. TU & EQ are once a month. Now days scores are not everything. Its what in your reports. 


$100K in Credit
Last Credit Card App: 11/16/13
Super Contributor
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: Discover score tracker

I used it its not to bad, I switched to credit secure with Amex which allows for daily 3 bureau reports

True it's not true fico but I don't care about fico at the moment

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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HiLine
Posts: 2,836
Registered: ‎10-19-2012

Re: Discover score tracker

Not many other credit tracking services offer access to Experian. If you're already tracking other credit bureau's reports through other services, having this would complete the tracking of your credit history. 


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.

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