I had applied for DISCOVER card and today got a letter from them with a score they pulled was 653 in a range of 300 - 850; while my EQ score here on myFICO is 630. Are they different version/model of FICO? can they be so different from each other or myFICO just not updating my scores? This credit score monitoring is so confusing.
Shell FCU : 5K
@sghosh5 wrote:I had applied for DISCOVER card and today got a letter from them with a score they pulled was 653 in a range of 300 - 850; while my EQ score here on myFICO is 630. Are they different version/model of FICO? can they be so different from each other or myFICO just not updating my scores? This credit score monitoring is so confusing.
I was wondering the same thing...like you I just got the card and Discover had my score at 768, while myfico on here had me at 719
Starting Score: No Credit History (11/12)
@b1gr3dmachin3
I thought your post indicated and Ex vs EQ credit score?
I thought your post indicated and Ex vs EQ credit score?
@09Lexie wrote:
@b1gr3dmachin3
I thought your post indicated and Ex vs EQ credit score?
Nope both EQ. I had originally thought the myfico on here was Ex which is why I put that originally. I edited my post after I found my mistake.
Yes, there are different models of FICO. Keep I mind, the CS is a snapshot of your cr at that moment. Inq's, bal changes etc can and will affect your CS.
In my case both Equifax too. I was talking about scorewatch which is lower than DISCOVER pulled score. While Experian scores are same everywhere. American Express & Bank Of America both pulled same score that was shown here. Experian is 08 version i guess while i think EQ score is the older 04 version which probably DISCOVER is not using anymore.
@Lexie... I understand Credit Scores change but only once in a day. They both pulled different scores on same day.
EQ sold here is BEACON.. TU sold here is the older version.
When I got y discover the score was 738 and myfico was 760
That's EQ