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Does Discover use Fico or Internal score model?

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Cadillac-XTS
Established Contributor
‎01-03-2013 06:01 AM
‎01-03-2013 06:01 AM

Re: Does Discover use Fico or Internal score model?

+1 and Congrats on your approval OP

Message 11 of 12
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Rhaeny
Valued Contributor
‎01-03-2013 06:27 AM
‎01-03-2013 06:27 AM

Re: Does Discover use Fico or Internal score model?

Yes I guess Discover does use an enhanced bankcard model because for me there is a 50 point spread between my FICO score here...and that spread is on the negative side for me.

FICO here says 714 so with almost 50 points I understand the low limit. Anywhere else gets me at least $5K LOL!!!

Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Message 12 of 12
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