Credit Karma vs Discover score

c3troop · ‎12-18-2013

I show 821 on the Discover score I got yesterday from the IT card and 768 from credit karma. Which is closer to what a lender might see?

OhioCPA · ‎12-18-2013

Its hard to say, it all depends on your personal credit file. My Credit Karma is closer to my FICO score here than the FICO score reported on my Discover statement. My Credit Karma is 10 points lower than the score here, while Discover is 47 points higher than here.

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gdale6 · ‎12-18-2013

The Discover number is a real FICO, actually the model is FICO 08 Bankcard Enhanced version based on your TU report. This is the number that will be closer to what a creditor pulls for a credit card. There are 49 different FICO models (i.e. Auto enhanced, Mortgage enhanced, etc.)

Shogun · ‎12-18-2013

@gdale6 wrote:
The Discover number is a real FICO, actually the model is FICO 08 Bankcard Enhanced version based on your TU report. This is the number that will be closer to what a creditor pulls for a credit card. There are 49 different FICO models (i.e. Auto enhanced, Mortgage enhanced, etc.)

I like this answer!

Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.