Discover Card's FICO Score Issue

[Anonymous]

I currently have a Discover card which shows my FICO score every month.  Approximately 4 months ago my FICO scored dropped like 100pts for no apparent reason.  I've pulled my 3 credit reports from annualcreditreport.com and not a single report shows any issues.  I've spoken with Discover and if I recall correctly, Discover uses a FICO 8 score.  I have even gone further and had my TransUnion score pulled which was excellent.  How do I get my FICO score fixed when I have no idea what's broken on it?

Thanks,

David

[SomeGuyOnTheWeb]

Pull your report from this site. It should be the same as your Discover score. If not, then you know for certain something is wrong on Discover's end. 

[Anonymous]

"Pull your report from this site. It should be the same as your Discover score. If not, then you know for certain something is wrong on Discover's end. "

How do I do this without spending the $75 to get it ($24.95 x 3)?  It seems kind of crazy that I need to spend that kind of money for a report.

Thanks,

David

[myjourney]

Welcome to the forum

Have you paid any loans off?

Do you have any AU accounts?

Have you applied for any new credit?

Each CB is different with different algorithms to come up with a score and because a score from another CB is high doesn't mean the others will follow suit

[myjourney]

Welcome to the forum 

Please refrain from starting the same thread on multiple forums...

I'll have the other thread merged with this one 

Thank 

MJ

[sarge12]

If you are varying your utilization by charging say to 80% utilization, and then paying it off every month it can cause quick swings. If discover did the pull and your cr showed 80 % utilization....boom 100 point drop. Then you pull it days later and by then it shows 5% utilization it will have gone back up, so you wont see what caused the brief drop. Remember that a credit report is a snapshot of that moment. Unless it is down two months straight I would not sweat it!