cancel
Showing results for 
Search instead for 
Did you mean: 

FICO Credit Score Help

tag
TrueGeminiNC
Frequent Contributor

FICO Credit Score Help

Recently, I applied for and was approved for the Discover IT card and I am now a little perplexed.  

 

I currently subscribe to the myFICO ScoreWatch product.  My Equifax FICO score per myFICO ScoreWatch is 630.  

 

However, I received my Discover It card today and included is a summary page that suggests that my Equifax FICO credit score is 667.  

 

Can someone please explain the disparity between the 2 scores?  Notably, I have read several posts which suggest that there are lots of differing scoring models.  However, the summary page from Discoer suggests that the score of 667 is my FICO credit score derived from Equifax.  If this was a different scoring model, I wouldn't expect for a company like Discover to claim that it is a FICO score when indeed it is not for legality reasons.

 

Help! 

Message 1 of 3
2 REPLIES 2
AndySoCal
Valued Contributor

Re: FICO Credit Score Help

Did the letter tell you what the score range was? This will help ID which socre they pulled. Some FICO scores are industry enhanced which have a different score range

FICO Scores XPN v8 802 V2 831 (SDFCU) TUC 803 v8 EFX 807 (10/2023)
Discover 09/90 19,000, JCPenney 10/2008 4,700 US Bank Cash 12,000 Citibank Custom Cash 5/2015 11,100 State Dept. FCU 15,000 06/2023 , 02/2024 Redstone FCU Signature VISA 10,000 Banking: Ally Bank Credit Unions: Lafayette FCU Fortera FCU State Department FCU Pelican CU

Pelican State CU Redstone FCU

Message 2 of 3
TrueGeminiNC
Frequent Contributor

Re: FICO Credit Score Help

Thanks for the response.  It suggests that "scores range from a low of 300 to a high of 850.

Message 3 of 3
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.