Discover It card / Free credit score

[Jazzzy]

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@NikoD wrote:

I hear Barclaycards have it too. I don't have a Barclaycard so I don't know for sure how often they update the scores. I believe theirs is TU 08 also?

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I have Discover IT, a Barclay (Frontier Airlines), and Walmart. They all give the same TU score.

[Revelate]

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@Jazzzy wrote:

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@NikoD wrote:

I hear Barclaycards have it too. I don't have a Barclaycard so I don't know for sure how often they update the scores. I believe theirs is TU 08 also?

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I have Discover IT, a Barclay (Frontier Airlines), and Walmart. They all give the same TU score.

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Thank you Jazzy for the complete confirmation.

[zarteycranford]

Discover it approved me for card but they said i have no FICO on the member site. I have a 720 TU fico according to welcome package. I know it's a little off topic but I just found that odd.

[HARRIS10]

My discover it pulled my equifax report & also gave me a eq fico score which was the same as here

[milkshakes]

my IT takes a bit of time to get the first FICO, but is generally better at updating it than Barclays. just sit tight for a bit.

[takeshi74]

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@castlefox wrote:

So... is the TU08 version accurate or are they using a new model and the TU08 is some ancient forumla?

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All scores are accurate but only for their own model.  In other words, you can't rely on one scoring model to determine the score generated by another model whether you're comparing FAKO's, FICO's or FAKO to FICO.

As for what creditors use, it varies.  Creditors don't all use the same FICO scoring model or even the same CRA.