Credit Cards Center Credit cards from our partners
Reply
Contributor
Posts: 89
Registered: ‎03-01-2012
0

which TU fico version does discover pull?

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


Mega Contributor
Posts: 15,453
Registered: ‎04-09-2011
0

Re: which TU fico version does discover pull?


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.




EQ FICO 548 3/3/16
Valued Contributor
Posts: 1,107
Registered: ‎02-15-2012
0

Re: which TU fico version does discover pull?


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: FICO 8 = 844(9/15) EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 (9/15)EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (22.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (16.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)
Frequent Contributor
Posts: 419
Registered: ‎03-05-2012
0

Re: which TU fico version does discover pull?

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.
Contributor
Posts: 89
Registered: ‎03-01-2012
0

Re: which TU fico version does discover pull?

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


Established Contributor
Posts: 756
Registered: ‎01-20-2012
0

Re: which TU fico version does discover pull?

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!?

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Valued Contributor
Posts: 2,137
Registered: ‎06-16-2012
0

Re: which TU fico version does discover pull?


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.

gardening since 5/21/2016
Moderator
Posts: 27,204
Registered: ‎09-13-2012
0

Re: which TU fico version does discover pull?

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. 

 

 

Established Member
Posts: 12
Registered: ‎08-22-2012
0

Re: which TU fico version does discover pull?

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
Established Contributor
Posts: 911
Registered: ‎12-25-2010
0

Re: which TU fico version does discover pull?

They pull Eq for Ohio...


Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club

BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.