cancel
Showing results for 
Search instead for 
Did you mean: 

Discover FICO vs MyFico TU Scores

tag
-Wade-
Valued Contributor

Discover FICO vs MyFico TU Scores

The month of Dec. myFico@797 and Discover@ 797 .... How does your 2 Scores Compare????

Thanks Wade

 

my Discover FICO was 810 in Jan. but I didn't check myFico .

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 1 of 12
11 REPLIES 11
AndySoCal
Valued Contributor

Re: Discover FICO vs MyFico TU Scores

Keep in mind they are both FICO scores but not the same model.  Sometimes they might agree and other times they wont due to idfferences in the model.

FICO Scores XPN v8 802 V2 831 (SDFCU) TUC 803 v8 EFX 807 (10/2023)
Discover 09/90 19,000, JCPenney 10/2008 4,700 US Bank Cash+ 12,000 Citibank Custom Cash 5/2015 11,100 C State Dept. FCU 15,000 06/2023 , 02/2024 Redstone FCU Signature VISA 10,000 Banking: Ally Bank Credit Unions: Lafayette FCU Quorum FCU State Department FCU State Department FCU Pelican State CU Redstone FCU

Message 2 of 12
-Wade-
Valued Contributor

Re: Discover FICO vs MyFico TU Scores


@AndySoCal wrote:

Keep in mind they are both FICO scores but not the same model.  Sometimes they might agree and other times they wont due to idfferences in the model.


I know they are not the same model! I was just waiting to see how close they were to each other

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 3 of 12
Transmogrifying_Bee
Frequent Contributor

Re: Discover FICO vs MyFico TU Scores


@Wade64 wrote:

The month of Dec. myFico@797 and Discover@ 797 .... How does your 2 Scores Compare????

Thanks Wade

 

my Discover FICO was 810 in Jan. but I didn't check myFico .


myFICO TU Score (9/2013)   750

Discover FICO TU Score (1/2014)   718

 

(32 point difference!)

FICO Score 8: EQ 823 EX 817 TU 825 **** VantageScore 4.0: 825 **** VantageScore 3.0: EQ 823 EX 826 TU 825
TOTAL CL (6 cards): $141.0K **** INQUIRIES 2 yrs (1 yr): EQ 0(1) EX 0(0) TU 0(0) **** UTILIZ: 1 % **** GOAL: FICO Score 8: 840+
r>>
Amex BCE 30K || NASA FCU Rewards Visa 30K || Chase Sapphire Visa Signature 21.5K || PayPal Extras MC 20K
CITI Diamond Preferred MC 25.0K || Discover it 14.5K **** CLOSED 7 cards **** GARDENING since 9-26-2014
Message 4 of 12
-Wade-
Valued Contributor

Re: Discover FICO vs MyFico TU Scores


@Corgihound wrote:

@Wade64 wrote:

The month of Dec. myFico@797 and Discover@ 797 .... How does your 2 Scores Compare????

Thanks Wade

 

my Discover FICO was 810 in Jan. but I didn't check myFico .


myFICO TU Score (9/2013)   750

Discover FICO TU Score (1/2014)   718

 

(32 point difference!)


That's 4 months apart also

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 5 of 12
VirtualCuriosity
Established Contributor

Re: Discover FICO vs MyFico TU Scores

+14 with Discover, but a month apart.  The next Discover statement will reflect a closer pull date


TU713, EQ 731 , EX 726 (As of 12/13/14) - Personal Goal = 760

“Beware of little expenses. A small leak will sink a great ship” – Benjamin Franklin

Gardening since 3-26-15































Message 6 of 12
Transmogrifying_Bee
Frequent Contributor

Re: Discover FICO vs MyFico TU Scores


@Wade64 wrote:

@Corgihound wrote:

@Wade64 wrote:

The month of Dec. myFico@797 and Discover@ 797 .... How does your 2 Scores Compare????

Thanks Wade

 

my Discover FICO was 810 in Jan. but I didn't check myFico .


myFICO TU Score (9/2013)   750

Discover FICO TU Score (1/2014)   718

 

(32 point difference!)


That's 4 months apart also


Yes, there is a 4 month spread in my TU Fico scores comparision.  I forgot that I obtained a new TU myFICO score last December (2014), just after I received my Discover FICO score.  The myFICO TU score was still 750, same as in September!  Sorry for the confusion . . . !

FICO Score 8: EQ 823 EX 817 TU 825 **** VantageScore 4.0: 825 **** VantageScore 3.0: EQ 823 EX 826 TU 825
TOTAL CL (6 cards): $141.0K **** INQUIRIES 2 yrs (1 yr): EQ 0(1) EX 0(0) TU 0(0) **** UTILIZ: 1 % **** GOAL: FICO Score 8: 840+
r>>
Amex BCE 30K || NASA FCU Rewards Visa 30K || Chase Sapphire Visa Signature 21.5K || PayPal Extras MC 20K
CITI Diamond Preferred MC 25.0K || Discover it 14.5K **** CLOSED 7 cards **** GARDENING since 9-26-2014
Message 7 of 12
-Wade-
Valued Contributor

Re: Discover FICO vs MyFico TU Scores


@VirtualCuriosity wrote:

+14 with Discover, but a month apart.  The next Discover statement will reflect a closer pull date


Please update wirh new Discover updated score! thanks

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 8 of 12
-Wade-
Valued Contributor

Re: Discover FICO vs MyFico TU Scores


@Corgihound wrote:

@Wade64 wrote:

@Corgihound wrote:

@Wade64 wrote:

The month of Dec. myFico@797 and Discover@ 797 .... How does your 2 Scores Compare????

Thanks Wade

 

my Discover FICO was 810 in Jan. but I didn't check myFico .


myFICO TU Score (9/2013)   750

Discover FICO TU Score (1/2014)   718

 

(32 point difference!)


That's 4 months apart also


Yes, there is a 4 month spread in my TU Fico scores comparision.  I forgot that I obtained a new TU myFICO score last December (2014), just after I received my Discover FICO score.  The myFICO TU score was still 750, same as in September!  Sorry for the confusion . . . !


Thanks I was just compairing the 2 models 

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 9 of 12
VirtualCuriosity
Established Contributor

Re: Discover FICO vs MyFico TU Scores


@Wade64 wrote:

@VirtualCuriosity wrote:

+14 with Discover, but a month apart.  The next Discover statement will reflect a closer pull date


Please update wirh new Discover updated score! thanks


Discover just came in and is only +1 from the myfico pull 6 days earlier.  Slight utilization decrease, so they are the same for me.


TU713, EQ 731 , EX 726 (As of 12/13/14) - Personal Goal = 760

“Beware of little expenses. A small leak will sink a great ship” – Benjamin Franklin

Gardening since 3-26-15































Message 10 of 12
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.