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jagshere
Posts: 99
Registered: ‎07-07-2011

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

[ Edited ]
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‎10-18-2012 10:11 AM - edited ‎10-18-2012 10:12 AM

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

Thanks~


10/12 TU-668 FICO 11/19 676-FICO 12/26 746-FICO 1/5 WM FIC0-763 2/4 WM FICO 758 3/6 721
DCU FICO 750 1/25 DCU FICO 700 2/22 707 DCU FICO 3/28 710
10/12 EX-721(FAKO) 10/22 AMEX (FICO) 646 10/19 725(FAKO)12/8 731(FAKO) 1/15 738 (FAKO)
Discover 1.2k|Chase Freedom 5k| DCU 7.5K| Walmart Discover 10K
First Niagara 2K| PenFed 9k| BCE 1k


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Frequent Contributor
shakalaka
Posts: 478
Registered: ‎09-10-2012

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

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‎10-18-2012 10:54 AM

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 (12,000) | Discover IT (8,000) | Chase Freedom (4,300) | Walmart (850) | Alliant CU Visa | CapOne Newcomers MC | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO: TU 723 (6/3) EQ 694 (6/12) EX 714 (1/26)
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Established Member
Elcid89
Posts: 400
Registered: ‎10-04-2012

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

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‎10-18-2012 11:00 AM

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 scores: 819 (EQ) 815 (EX) 803 (TU)

Amex Platinum NPSL - Citi HHonors Sig. $42k - BMW Ultimate $36k
Chase Sapphire Preferred $42k - Merrill Lynch + Signature $33k - USAA Rate Advantage $20k
NFCU Flagship Signature $33k - USAA Cash Rewards AMEX $20k
Citi Platinum Select / AAdvantage Signature $23k

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Valued Contributor
injustifiiable
Posts: 1,114
Registered: ‎03-30-2012

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

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‎10-18-2012 11:15 AM - edited ‎10-18-2012 11:15 AM

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.


Starting Score: TU TransRisk 532| EQ FICO 635|EX Plus 612
Current Score: TU TransRisk 590|EQ FICO 681|EX FAKO 676|Vantage 684 as of June 10, 2013
Goal Score: 750-800 across the board

Take the FICO Fitness Challenge
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Established Contributor
SwiftTone
Posts: 986
Registered: ‎02-27-2012

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

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‎10-18-2012 11:26 AM

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

BCE: $0/$8500, CSP: $15/$5000, Chase Priority Club: $0/$3500, Freedom: $0/$5000, Barclays NFL: $0/$7000 Discover: $0/$5800, Citi Dividend: $0/$2000 Cap1 x2 $0/$2250

EQ FICO - 07/2012: 699, 08/2012: 714, 10/2012: 729, 11/2012: 686, 12/2012: 723, 01/2013: 737, 03/2013: 725, 04/2013: 734, 05/2013: 736
EX FICO(AMEX) - 10/2012: 712
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Established Member
Elcid89
Posts: 400
Registered: ‎10-04-2012

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

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‎10-18-2012 11:37 AM

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 scores: 819 (EQ) 815 (EX) 803 (TU)

Amex Platinum NPSL - Citi HHonors Sig. $42k - BMW Ultimate $36k
Chase Sapphire Preferred $42k - Merrill Lynch + Signature $33k - USAA Rate Advantage $20k
NFCU Flagship Signature $33k - USAA Cash Rewards AMEX $20k
Citi Platinum Select / AAdvantage Signature $23k

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Contributor
jagshere
Posts: 99
Registered: ‎07-07-2011

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

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‎10-18-2012 11:38 AM

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!

 


10/12 TU-668 FICO 11/19 676-FICO 12/26 746-FICO 1/5 WM FIC0-763 2/4 WM FICO 758 3/6 721
DCU FICO 750 1/25 DCU FICO 700 2/22 707 DCU FICO 3/28 710
10/12 EX-721(FAKO) 10/22 AMEX (FICO) 646 10/19 725(FAKO)12/8 731(FAKO) 1/15 738 (FAKO)
Discover 1.2k|Chase Freedom 5k| DCU 7.5K| Walmart Discover 10K
First Niagara 2K| PenFed 9k| BCE 1k


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Valued Contributor
trumpet-205
Posts: 1,915
Registered: ‎11-11-2010

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

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‎10-18-2012 11:42 AM

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 TY Preferred (05/2011) | BofA Travel Rewards (07/2011) | Chase Freedom (11/2011)
GECRB/PayPal (05/2012) | Discover it (07/2012) | US Bank Cash Reward (08/2012) | AMEX BCE (09/2012)
Target (10/2012) | Chase Ink Classic (11/2012) | BofA Balance Rewards (04/2013)
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Frequent Contributor
SwampSystems
Posts: 345
Registered: ‎06-25-2012

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

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‎10-18-2012 05:41 PM

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


Hover over image for credit limits
How to stop the myFICO page header from overlapping posts
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Valued Contributor
rootpooty
Posts: 1,613
Registered: ‎10-28-2011

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

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‎10-18-2012 09:22 PM

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 | NFCU cashrewards 3k |BOFA 123 3k |
Chase Freedom 1.5k | Amazon 1600 | Walmart 1150

On the prowl for Chase Sapphire Preferred!
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