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Contributor
cloyd
Posts: 89
Registered: ‎03-01-2012

which TU fico version does discover pull?

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‎04-07-2012 09:11 PM

I just received my disco card today plus a TU fico score... but which version is it?
Starting Score (3/2/12): EQ: 573 TU:605 EX:634 CK:628Current Score (5/04/12): EQ:719 TU:704 (FICO) EX: 714 (FICO) CK:704
Goal Score: 720 across the board

AMEX Delta Plat/SPG/BCE/Zync I JP Morgan Select I Chase Sapphire Preferred I Citi Diamond Preferred World MC I Discover More


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Mega Contributor
LS2982
Posts: 14,375
Registered: ‎04-09-2011

Re: which TU fico version does discover pull?

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‎04-08-2012 05:49 AM

cloyd wrote:
I just received my disco card today plus a TU fico score... but which version is it?

Only way you can tell is if you have access to your TU 98/08 scores, its possible they used TUO4 but there is no way to track that one.



Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 721 5/16/2013
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Established Contributor
crunching_numbers
Posts: 1,026
Registered: ‎02-15-2012

Re: which TU fico version does discover pull?

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‎04-08-2012 06:09 AM

LS2982 wrote:
cloyd wrote:
I just received my disco card today plus a TU fico score... but which version is it?

Only way you can tell is if you have access to your TU 98/08 scores, its possible they used TUO4 but there is no way to track that one.

All I can say for sure is that it is was not the TU08 for me. The number was very close to my TU98 (pulls not done on the same day though), but far off from my TU08.  So, since I do not know my TU04, I can only eliminate the TU08.

Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: 748 TU(12/12), 771 TU98 , 824 TU08 FICO, 776 EQ FICO , 735 EX(9/12) FICO
Goal Score: 750+, but shooting for the 800's
my wallet: Hyatt Visa Sig ($23K), B&N World MC ($17.3K), Amex RP Gold (NPSL w/ S&T), Hilton Surpass (10K), Freedom Visa Sig ($8.6K), Discover It ($8K), Amex BCP ($9K), FNBO Visa (13.1K), Citi Dia Pref MC ($3.7K),Sam's D ($8.5K), Walmart D ($7.5K), JCP($5.3K), Dicks MC ($2K)
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Frequent Contributor
ctb89
Posts: 419
Registered: ‎03-05-2012

Re: which TU fico version does discover pull?

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‎04-08-2012 07:52 AM

I believe most lenders use TU04 and some are transitioning to TU08. Since it sounds like we can rule out TU08, your best bet is TU04.
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cloyd
Posts: 89
Registered: ‎03-01-2012

Re: which TU fico version does discover pull?

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‎04-08-2012 01:30 PM

That makes sense as the disco score was ~15 higher than the fico score pulled from here. Thanks for the replies.

Starting Score (3/2/12): EQ: 573 TU:605 EX:634 CK:628Current Score (5/04/12): EQ:719 TU:704 (FICO) EX: 714 (FICO) CK:704
Goal Score: 720 across the board

AMEX Delta Plat/SPG/BCE/Zync I JP Morgan Select I Chase Sapphire Preferred I Citi Diamond Preferred World MC I Discover More


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Established Contributor
awdsmama
Posts: 722
Registered: ‎01-20-2012

Re: which TU fico version does discover pull?

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‎02-20-2013 10:32 AM

I pulled my TU Fico on here the same day I app'd online for DIscover IT.

 

My TU Fico here was 680.

 

The letter I received from Discover said my TU Fico was 682

 

Are the versions usually that close!?

EQ MyFico: 2/16/2013: 703 TU MyFico: 680 on 2/16/13
Discover IT $4,000 / CU Visa $500 / JC Penny$500
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Established Contributor
dodgerslv
Posts: 775
Registered: ‎06-16-2012

Re: which TU fico version does discover pull?

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‎02-20-2013 11:33 AM

awdsmama wrote:

I pulled my TU Fico on here the same day I app'd online for DIscover IT.

 

My TU Fico here was 680.

 

The letter I received from Discover said my TU Fico was 682

 

Are the versions usually that close!?

I did the same thing and the letter said my TU score was 687 while my score here on MyFico at the time was 630 and my TU08 score was 670 so i am only guessing it must have been the TU04.

Chase Marriott(5K) BoA123 Cash Rewards(5K) BoA Better Balance(4K) Cap1(3.5K) U.S Bank Flex Perks(3K) Amex Green(NPSL) Amex BCP(2K) Amex Costco TE(2K) Citi Simplicity(2K) Discover(1.5K)
EX Plus 728 EQ Fico 707 TU Fico 712 (05/13)
In the garden.




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Valued Contributor
09Lexie
Posts: 4,899
Registered: ‎09-13-2012

Re: which TU fico version does discover pull?

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‎02-20-2013 11:47 AM

My letter said 707, 10 days earlier WalMart had it at 702- this month Walmart has it at 703. The only thing that changed on my report was a $1500 CLI which posted after Walmart's Jan score. 

 

 


Starting Score: 600's
Current Score: Exp Plus 743 04/13; 707 LP Discover 01/13 ; 733 05/13, 693 04/13, 703 03/13, 02/13, 702 TU WalMart 01/13; 702 EX LP 11/12; EQ 699 MyFico 01/13, EQ 699 11/12, CS 714 03/13
Goal Score: 800
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Established Member
billy41
Posts: 11
Registered: ‎08-22-2012

Re: which TU fico version does discover pull?

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‎02-20-2013 02:28 PM

just applied on saturday and was approved under different terms due to score...received card in mail yesterday and it showed my exact same score as my updated walmart TU08
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Frequent Contributor
JonStur
Posts: 352
Registered: ‎12-25-2010

Re: which TU fico version does discover pull?

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‎02-20-2013 04:01 PM

They pull Eq for Ohio...

Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 796 EX 780 EQ 750
Goal Score: 800 Club

Take the FICO Fitness Challenge
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