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

Regular Contributor

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

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

Thanks~


12/28 EX 745( FAKO)
12/28 DCU 742 FICO
12/28 WM TU 796 FICO
Walmart Discover 15k |CSP 14.4k | Penfed Cash Rewards 9k |DCU 7.5k | Chase Freedom 8k | FNFG 5k | Discover 6.4k| BOA 4k | BCE 3k


Message 1 of 10
9 REPLIES
Established Contributor

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

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



FICO (TU/EX/EQ): 737/743/739 - Total CL 244+K
Message 2 of 10
Contributor

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

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

FICO 04 scores: 809 (EQ) 812 (EX) 818 (TU)

Amex Platinum NPSL - Citi HHonors Sig. $58k - BMW Ultimate $40k
Chase Sapphire Preferred $62k - Merrill Lynch + Signature $41k - USAA Rate Advantage $28k
NFCU Flagship Signature $50k - USAA Cash Rewards AMEX $28k
Citi Platinum Select / AAdvantage Signature $31k - Chase Amtrak Rewards World MC $41k

Message 3 of 10
Valued Contributor

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

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.

Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 4 of 10
Valued Contributor

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

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

AMEX: $25,000, CSP: $10,000, Chase Priority Club: $1,500, Freedom: $6000, Discover: $21,000

EQ FICO - 753
TU FICO - 755
EX FICO(AMEX) - 766
Message 5 of 10
Contributor

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


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.


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

 

FICO 04 scores: 809 (EQ) 812 (EX) 818 (TU)

Amex Platinum NPSL - Citi HHonors Sig. $58k - BMW Ultimate $40k
Chase Sapphire Preferred $62k - Merrill Lynch + Signature $41k - USAA Rate Advantage $28k
NFCU Flagship Signature $50k - USAA Cash Rewards AMEX $28k
Citi Platinum Select / AAdvantage Signature $31k - Chase Amtrak Rewards World MC $41k

Message 6 of 10
Regular Contributor

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


SwiftTone wrote:

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


Thanks for the info. I appreciate it!

 


12/28 EX 745( FAKO)
12/28 DCU 742 FICO
12/28 WM TU 796 FICO
Walmart Discover 15k |CSP 14.4k | Penfed Cash Rewards 9k |DCU 7.5k | Chase Freedom 8k | FNFG 5k | Discover 6.4k| BOA 4k | BCE 3k


Message 7 of 10
Valued Contributor

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


jagshere wrote:

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

Thanks~


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

 

Message 8 of 10
Frequent Contributor

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

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

Message 9 of 10
Highlighted
Valued Contributor

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

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.
NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Message 10 of 10