Does discover give TransUnion or Experian score free?

[Anonymous]

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@Anonymous wrote:

Your FICO® Score is calculated based on data from Equifax using the FICO® Bankcard Score 8 model and is the same score we use, among other information, to manage your account.  This model has a FICO® Score range from 250 through 900.

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Right, Bankcard.  That is different than classic FICO 08.  As you can see, the scoring range is different.  I'm not saying this score can't be beneficial, but it isn't as widely used or discussed as FICO 08.

[Anonymous]

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@Anonymous wrote:

I believe DCU provides monthly EQ-8 scores too their members also

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Bankcard as well I assume?  I have yet to find anyone that provides a classic EQ FICO 08.  That would be a great find though if ever someone comes across one!

[Anonymous]

This app apparently gives a free EQ FICO 8 Classic:

http://ficoforums.myfico.com/t5/General-Credit-Topics/Lenny-App-Free-EQ-FICO-8-Score-Monthly/td-p/48...

The free score obtained from DCU is not FICO 8 but the EQ FICO mortgage score.

[Subexistence]

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@Anonymous wrote:

This app apparently gives a free EQ FICO 8 Classic:

http://ficoforums.myfico.com/t5/General-Credit-Topics/Lenny-App-Free-EQ-FICO-8-Score-Monthly/td-p/4866254

The free score obtained from DCU is not FICO 8 but the EQ FICO mortgage score.

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thx.

[sarge12]

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@Subexistence wrote:

I'm not really clear on which one it provides becuse the website has conflicting information.

2.What are FICO® Credit Scores?
It's a three-digit number that summarizes the positive and negative information on your Experian credit report. FICO® Scores are the most common credit scores used by lenders to quickly assess your credit risk, and it can influence everything from car loans to mortgages to credit cards.

FICO ® Score provided by Discover considers both positive and negative information in your TransUnion credit report. It's calculated by these 5 categories, the importance of any piece of information depends on the information in your entire credit report: payment history, amounts owed, length of credit history, new credit, and types of credit.

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Fico 08 score is the score used by most credit card issuers, and both TU, and Ex are available free if you have a discover card. The score you get on the discover card login is the TU fico 08, Discover also has a site where anyone can get their free Ex fico 08 at creditscorecard.com, and no account with discover required.

[sarge12]

BBS...Citi is definately fico Eq bankcard 08, and not the classic fico 08.

[HeavenOhio]

Adding to the list…

My Wells Fargo Home Projects card provides a FICO 5 based on Equifax. It was last updated in December.

My Barclays LLBean card provides a FICO based on TransUnion. They don't state the FICO version. But when it updated last week, it matched my FICO 8 here on myFICO. They also don't state the frequency of the updates, but my score appears to update approximately every 60 days.

[MrTom]

WHen I goto Discover Card to get my free report, they give me Fico 8 from Experian

[Anonymous]

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@MrTom wrote:

WHen I goto Discover Card to get my free report, they give me Fico 8 from Experian

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The TU score is not on Score Card - it's the one that is in your account when you're a customer.