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Why Is My Equifax Scores Different?

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Anonymous
Not applicable

Why Is My Equifax Scores Different?

I have a credit monitoring service with Equifax and I was just approved for a Discover it and when it arrived in the mail it came with a piece of paper that said my Equifax score is 40 points higher than the Equifax Complete™ ?

 

I assume the Discover it provided me with Equifax FICO score and Equifax Complete™ is not a FICO score?

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Anonymous
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Re: Why Is My Equifax Scores Different?

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Thomas_Thumb
Senior Contributor

Re: Why Is My Equifax Scores Different?


@Anonymous wrote:

I have a credit monitoring service with Equifax and I was just approved for a Discover it and when it arrived in the mail it came with a piece of paper that said my Equifax score is 40 points higher than the Equifax Complete™ ?

 

I assume the Discover it provided me with Equifax FICO score and Equifax Complete™ is not a FICO score?


Discover card scores are Fico 08 standard based on TransUnion CRA data.

 

Equifax Complete is based on Equifax data and I believe it uses an inhouse developed credit scoring model.

Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
Message 3 of 4
Anonymous
Not applicable

Re: Why Is My Equifax Scores Different?


@Thomas_Thumb wrote:

@Anonymous wrote:

I have a credit monitoring service with Equifax and I was just approved for a Discover it and when it arrived in the mail it came with a piece of paper that said my Equifax score is 40 points higher than the Equifax Complete™ ?

 

I assume the Discover it provided me with Equifax FICO score and Equifax Complete™ is not a FICO score?


Discover card scores are Fico 08 standard based on TransUnion CRA data.

 

Equifax Complete is based on Equifax data and I believe it uses an inhouse developed credit scoring model.


Not for approvals. For most approvals, they pull EQ.

Message 4 of 4
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