FICO score by Discover

[cowboyguy]

Mods, please feel free to move this thread to the appropriate forum.

I notice Discover has started to offer a free FICO score. I understand its a TU FICO and a certain model but my score as per this month's statement is 710. However, my EQ FICO as per myfico is 622. There hasn't been any change in the utilization at all so I wonder if the different scoring models out there (in itself FICO) are so wide in results.

[DaylightSlaving]

Mmm, the Discover fico scoring has been pretty accurate between the three scoring options I use.

From what I understand, certain CRAs are more conservative; Experian, for example. I could be wrong, though I've found that to be accurate in my experience.

Keep in mind you might have different agencies reporting different information as well. For some, the left hand isn't talking to the right hand. Lol

[coldnmn]

It's a TU score not EQ. That being said there are 49 different models of Fico scores. I believe it is TU08

[lg8302ch]

my recent pull from BofA and the Barclays Fico from the Arrival are identical...looking forward to next week's Discover Fico to compare but expect it to be the same
edit: all TU Fico

[DigitalArk]

My Discover it FICO and Barclaycard arrival FICO are identical.

[maiden_girl]

The program has it's plus and minuses. Obviously if you don't use the card, it won't generate a statement for the month which means you won't get a FICO score. I do use my Discover card occasionally but it's not my most used card so the free FICO wouldn't benefit me at all...