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Regular Contributor
jagshere
Posts: 134
Registered: ‎07-07-2011
0

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

[ Edited ]

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


Established Contributor
shakalaka
Posts: 567
Registered: ‎09-10-2012
0

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.


Amex Platinum (NPSL) | Amex BCE (33,400) | Chase Sapphire Preferred (24,800) | Discover IT (12,700) | Chase Freedom (6,300) | Walmart (4,500) | CapOne (4.000) | Alliant CU Visa | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO: TU 758 (10/12) EQ 724 (10/22) EX 748 (12/5)

Contributor
Elcid89
Posts: 567
Registered: ‎10-04-2012
0

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

Valued Contributor
injustifiiable
Posts: 1,867
Registered: ‎03-30-2012
0

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

[ Edited ]

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 6/17/2014: TU FICO: 643 | EQ FICO: 675 | EX AMEX FICO: 666

In my new wallet: American Express Premier Rewards Gold EMV: NPSL | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $1500 | Amazon Rewards Visa: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1250 | Target: $400 | J.Crew $5950
Established Contributor
SwiftTone
Posts: 1,026
Registered: ‎02-27-2012
0

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

BCE: $0/$11,200, CSP: $0/$6500, Chase Priority Club: $0/$3500, Freedom: $0/$6000, Barclays NFL: $0/$7000 Discover: $0/$12,500, Citi Dividend: $0/$3500

EQ FICO - 728
TU FICO - 734
EX FICO(AMEX) - 712
Contributor
Elcid89
Posts: 567
Registered: ‎10-04-2012
0

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

Regular Contributor
jagshere
Posts: 134
Registered: ‎07-07-2011
0

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


Valued Contributor
trumpet-205
Posts: 2,494
Registered: ‎11-11-2010
0

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.

 

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Frequent Contributor
SwampSystems
Posts: 358
Registered: ‎06-25-2012
0

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.

Valued Contributor
rootpooty
Posts: 1,772
Registered: ‎10-28-2011
0

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

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