@Wade64 wrote:
The Discover FICO is the same version as here on MyFico!!! Both my scores are the same at 797
That might be a coincidence. MyFICO offers an older version, TU98; Discover offers newer TU08
@ Lexie. Only 3 points away from 800 so I will take both of them 
@Wade64 wrote:
The Discover FICO is the same version as here on MyFico!!! Both my scores are the same at 797
Not sure if the Discover FICO is the same as that used on myFICO? There's been recent message dialogue about two different algorithm models being used (TU08 vs TU98) although this is speculation. My recent (week or two ago) Discovery FICO was 718 while that obtained from myFICO about a day later was 750, where it has been for over three months. (My FAKO Credit Karma TU score is 772.) No recent CR activity that would explain the 718 and 750 disparity. And yet, Wade64 obtained identical scores of 797 from both sources! And then we have the OP's comments about his score jumping unexpectedly from 703 to 751! I'll be quite interested to see my Discover/myFICO scores over the next few months since I started "gardening" back in October . . .
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Just got both my Discover and myfico scores, and they're very different: Discover is at 676, myfico is 703.
Which one is more commonly used, TU98 or TU08?
So any one have an idea about the 50 point swwing?
@MMB85 wrote:Just got mine. It is 750. I was expecting a much lower score since my AAoA cut in half due to opening my Freedom and also two hard pulls. But my TU only went from a 767 > 750. But then again, the 767 I got in June was from MyFico which is the 98 model and Discover is the 08 model.
Oh and in regards to Unc0mm0n1 question, the two models put different weight into the categories. So that is why there is such a big difference.
No I under stand that but why did my score jump from 703 -> 750 in one month on Discover. They both were Discover scores and the only difference was I opened two accounts.
