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Fico Scoring

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Anonymous
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Fico Scoring

Not sure where to post this but:

The free fico score you receive from a credit card day for example the TU Fico score you get from discover. Is that accurate? Or is it along the lines of Credit Karmas scoring?

Thanks.
Message 1 of 21
20 REPLIES 20
Anonymous
Not applicable

Re: Fico Scoring

Depends on the company. It is accurate for whatever model they say they're using. I think that the TU scores from Barclays and Discover are both Fico 08, so they are "true" Fico scores. The one from Citi is a Fico 08 bankcard, so it isn't the normal one (although the bankcard is used by some lenders). I don't know about any of the others. 

Message 2 of 21
LuckyBird
Regular Contributor

Re: Fico Scoring

I think they vary.  Pretty sure Discover's, for example, is a true Fico 08 score.  But I think some cards do give stuff like Vantage Score or Plus Score. 

 

Someone else with more info will chime in, I'm sure.  : )

Chase Sapphire Reserve $30,000 | Amex BCP $30,000 | Discover It $30,000 | Citi Simp $16,500 | NFCU Cash Rewards $14,400 | Citi DC $9,800 | Chase Freedom $9,000 | VS $4,100 | Kohl's $3,000 | Loft $3,000

EQ 823 ~ TU 817 ~ EXP 808 | ITG since 8/24/2016
Message 3 of 21
Anonymous
Not applicable

Re: Fico Scoring

Thanks guys. Smiley Happy
Message 4 of 21
Anonymous
Not applicable

Re: Fico Scoring

Discover gives true Fico score based on TU08

Message 5 of 21
Anonymous
Not applicable

Re: Fico Scoring

Generally, it will say somewhere in the fine print what kind of score it is. 

Message 6 of 21
taxi818
Super Contributor

Re: Fico Scoring

Yes. they both accurate and would be exactly the same. except the dates they were pulled. that bankcard version is also accurate. but almost exactly as the fico 08 version. give or take a couple points. most cases that score is higher than fico 08. but in anycase. before applying for anything. always check the pulls database to see who your potential lender pulls. and get a good ideal of which they will be using. good luck.

Message 7 of 21
SunriseEarth
Moderator Emeritus

Re: Fico Scoring

YMMV, depending on lender.   Scores provided by Discover Card or Wal-Mart CC are both TU08, IIRC.   However, Capital One's Credit Tracker is essentially a Credit Karma type of score.   



Start: 619 (TU08, 9/2013) | Current: 809 (TU08, 3/05/24)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Discover IT $46000 | Disney Premier VS $43600 | Venmo VS $30000 | NFCU More Rewards AMEX $25000 | Macy's AMEX $25000 Store $25000 | Cash+ VS $25000 | Altitude Go VS $25000 | Synchrony Premier $24,200 | Sony Card VS $23750 | GS Apple Card WEMC $22000 | WF Active Cash VS $18,000 | Jared Gold Card $16000 | FNBO Evergreen VS $15000 | Citi Custom Cash MC $14600 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Amazon VS $12000 | Freedom Flex WEMC $10000 | Belk MC $10000 | Wayfair MC $4500 ~~
Message 8 of 21
Anonymous
Not applicable

Re: Fico Scoring

Thanks. Yea capitalone credit score for me is my lowest one. In everything
Message 9 of 21
Anonymous
Not applicable

Re: Fico Scoring

And besides being a real score, Barclays (on my Arrival +) updates throughout the month. Discover, also a real score, does not. 

 

I think Citibank's EQ is real, but always old. And Chase's EX I think is also real, but always old. 

Message 10 of 21
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