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DiscoverIt FICO score.

Regular Contributor

Re: DiscoverIt FICO score.

Congrats on the approval and the great score!!

 

Is that TU08 FICO and not EQ FICO since EQ maxes at 816? 

Message 21 of 30
Moderator Emeritus

Re: DiscoverIt FICO score.

EQ FICO maxes @ 850.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 22 of 30
Valued Contributor

Re: DiscoverIt FICO score.

That's a great Score, I'm jealous! Smiley Happy Congrats.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 23 of 30
Valued Contributor

Re: DiscoverIt FICO score.

Anecdotaly, there was an extensive analysis of real FICO scores at the Board That Shall Not Be Named in the pinned topic section.  I'll try to paste some of the results here.  Credit due to those who created it.  So if the OP's score is a Beacon 5 EQ score, which is the score we get here at Myfico, then they just blew the 818 limit out of the water.  

 

FICO 98
Transunion FICO Risk Score, Classic 98: score ranges from 336 to 843

FICO 04
Equifax Beacon 5.0 Facta: scores range from 334 to 818.
Experian Fair Isaac V2: scores range from 320 to 844.
Trans Union FICO Risk score Classic 04: scores range from 309 to 839.

Auto Enhanced Equifax Beacon 5.0 has a score range from a low of 250 to a high of 843.
Auto Enhanced Experian Scores range from a low of 250 to a high of 877.
Auto Enhanced TransUnion Scores range from a low of 253 to a high of 893.

FICO 08
Equifax Beacon 09: score ranges from ___ to 850
Experian Experian/FICO Risk Model v08: score ranges from 316 to 850
Transunion FICO 8 Risk Score (AKA Walmart Fico): score ranges from 341 to 850

Summary:

FICO 98
TU = 336-843

FICO 04
Eq = 334-818
Ex = 320-844
TU = 309-839

AE Eq = 250-843
AE Ex = 250-877
AE TU = 253-893

FICO 08
Eq = ?-850
Ex = 316-850
Tu = 341-850

EQ Fico 8 - 846
TU Fico 8 - 848
EX Fico 8 - 836
Message 24 of 30
Regular Contributor

Re: DiscoverIt FICO score.

Looks like Discover It provides Beacon 09 (Fico 08) scores! Nice. The DCU scores we get do max out at 818 (not 816).

Message 25 of 30
Valued Contributor

Re: DiscoverIt FICO score.

Congratulations!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

Take the FICO Fitness Challenge
Message 26 of 30
Moderator Emeritus

Re: DiscoverIt FICO score.

Scorewatch myFICO was listing 788 when I applied.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 27 of 30
Highlighted
Regular Contributor

Re: DiscoverIt FICO score.

Congratulations! How did you get your score? Was it by request? I ask only because I did not see a score on my letter when they sent my card. Smiley Sad

Message 28 of 30
Established Contributor

Re: DiscoverIt FICO score.

Wowzers Shogun that is awesome!!! 

 

 

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Message 29 of 30
Valued Contributor

Re: DiscoverIt FICO score.


Shogun wrote:

Scorewatch myFICO was listing 788 when I applied.


That's a good data point to know.  It seems like Discover is using FICO 08.  I've heard this before, but it's hard to tell as so few lenders have made the switch from 04 to 08.  The TU08 score is also used by Walmart.  It would be nice if SOME DAY the antique TU98 score we can get here at Myfico could at least be updated to 04, if not 08.      

EQ Fico 8 - 846
TU Fico 8 - 848
EX Fico 8 - 836
Message 30 of 30