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Contributor
cloyd
Posts: 89
Registered: ‎03-01-2012
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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
LS2982
Posts: 15,436
Registered: ‎04-09-2011
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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.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
crunching_numbers
Posts: 1,093
Registered: ‎02-15-2012
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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: 748 TU(12/12), 783 TU98 , 813 TU08 FICO, 744 EQ FICO , 735 EX(9/12), 794 EX08 FICO, 809 EX08 bankcard FICO
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (20.7K), BofA Travel Rewards ($17.5), B&N World MC ($17.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (15K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig ($8.6K), Disc It ($8K), Citi Dia Pref MC ($3.7K),Sam's D ($8.5K), Wally D ($7.5K), JCP($5.3K)
Frequent Contributor
ctb89
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
cloyd
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
awdsmama
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
dodgerslv
Posts: 1,843
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.


Cards: (Citi- 82.7k) (Chase- 65k)) (US Bank- 18k) (Amex- 22.5k) (Barclays-40k) (BofA- 68k) (Cap1- 49.5K) (WF- 11k) (Penfed- 22.5k) (Discover- 8k) (Sync/GE- 15.7k) (NASA- 30k) (Diners- 15k)
Fico 08 scores (8/27/14) EX: 772 TU: 767 EQ: 778 (Utilization at 8% right now).





Moderator
09Lexie
Posts: 26,629
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
billy41
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
JonStur
Posts: 905
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

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