Why does purchased FICO score and the Discover pulled score different?

[jagshere]

Help me understand how the score could be different,(same day) unless the score instantly dropped because of the hard pull.

Thanks~

[shakalaka]

The TU Fico from here ist not the TU Fico Discover uses I guess. But EQ should be the same.

[Elcid89]

TU sells multiple FICO scores. The one from here (TU Fico Classic TU-01 I believe) is the one that most lenders will see.

[injustifiiable]

When Discover pulled my EQ it was a good 15 pts less than the EQ I bought here. Someone said that the one they use is "enhanced", whatever that means.

[SwiftTone]

They pulled a TU Credit Card Enhanced FICO on me. It was a good 40 points lower than my myFICO score

[Elcid89]

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@injustifiiable wrote:

When Discover pulled my EQ it was a good 15 pts less than the EQ I bought here. Someone said that the one they use is "enhanced", whatever that means.

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Credit Card Enhanced is a proprietary product, much like Auto Enhanced. It is not what is considered to be your FICO score.

[jagshere]

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@SwiftTone wrote:

They pulled a TU Credit Card Enhanced FICO on me. It was a good 40 points lower than my myFICO score

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Thanks for the info. I appreciate it!

[trumpet-205]

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@jagshere wrote:

Help me understand how the score could be different,(same day) unless the score instantly dropped because of the hard pull.

Thanks~

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Because there are like 30+ variations in FICO score just for credit card enhanced model.

[SwampSystems]

When Discover sende me a TU FICO, it tends to match the one Walmart gives me.

[rootpooty]

There are 3 versions of TU fico. TU 98 which is sold here. Then there is TU 04. Then there is TU 08 which Walmart provides when you enroll in paperless statements. For equifax the version sold here is beacon 5 model. I believe there is another one out there but i don't have information on that. I really just pay attention to my Eq score cause it seems most accurate and that's the same model my credit union uses.