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myFICO vs DISCOVER Equifax FICO score

Established Contributor

myFICO vs DISCOVER Equifax FICO score

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.

 

 


Starting Score: EQ: 499
Current Score: EX: 659, EQ: 622, TU: 659
CHASE Freedom Unlimited: 1K, CHASE Sapphire: 5K, Barclay Arrival+: 5K, CapOne: 3K,CapOne: $3K, AMEX BCE: 3.9K, AMEX BCE: 1K, WellsFargo: 300, Discover: 8.7K, DISCOVER IT: 2K, CITI Double Cash:2.8K, Southwest Premier: 2K, Express: 2.5K, Paypal: 3.6K, Amazon: 2.5K, Macys: 7.6K, Walmart: 1.5K, BestBuy: 1.5K, Lowes: 6K, HomeDepot: 3K, BOA Cash Rewards: 300
17 REPLIES
Contributor

Re: myFICO vs DISCOVER Equifax FICO score


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

BoA 123 $2.5k (11/12) // Discover It $3.9k (7/13) // Citi Forward Student $3.8k (7/13) // Chase Freedom 5k (12/13) // Amex Blue Cash 6k (1/15)

Starting Score: No Credit History (11/12)
Current Score: MyFico 761
Goal Score: 800+


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Moderator Emerita

Re: myFICO vs DISCOVER Equifax FICO score

@b1gr3dmachin3

I thought your post indicated and Ex vs EQ credit score?
Contributor

Re: myFICO vs DISCOVER Equifax FICO 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.

BoA 123 $2.5k (11/12) // Discover It $3.9k (7/13) // Citi Forward Student $3.8k (7/13) // Chase Freedom 5k (12/13) // Amex Blue Cash 6k (1/15)

Starting Score: No Credit History (11/12)
Current Score: MyFico 761
Goal Score: 800+


Take the myFICO Fitness Challenge
Moderator Emerita

Re: myFICO vs DISCOVER Equifax FICO score

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.
Established Contributor

Re: myFICO vs DISCOVER Equifax FICO score

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.


Starting Score: EQ: 499
Current Score: EX: 659, EQ: 622, TU: 659
CHASE Freedom Unlimited: 1K, CHASE Sapphire: 5K, Barclay Arrival+: 5K, CapOne: 3K,CapOne: $3K, AMEX BCE: 3.9K, AMEX BCE: 1K, WellsFargo: 300, Discover: 8.7K, DISCOVER IT: 2K, CITI Double Cash:2.8K, Southwest Premier: 2K, Express: 2.5K, Paypal: 3.6K, Amazon: 2.5K, Macys: 7.6K, Walmart: 1.5K, BestBuy: 1.5K, Lowes: 6K, HomeDepot: 3K, BOA Cash Rewards: 300
Established Contributor

Re: myFICO vs DISCOVER Equifax FICO score

@Lexie... I understand Credit Scores change but only once in a day. They both pulled different scores on same day. 


Starting Score: EQ: 499
Current Score: EX: 659, EQ: 622, TU: 659
CHASE Freedom Unlimited: 1K, CHASE Sapphire: 5K, Barclay Arrival+: 5K, CapOne: 3K,CapOne: $3K, AMEX BCE: 3.9K, AMEX BCE: 1K, WellsFargo: 300, Discover: 8.7K, DISCOVER IT: 2K, CITI Double Cash:2.8K, Southwest Premier: 2K, Express: 2.5K, Paypal: 3.6K, Amazon: 2.5K, Macys: 7.6K, Walmart: 1.5K, BestBuy: 1.5K, Lowes: 6K, HomeDepot: 3K, BOA Cash Rewards: 300
Moderator Emerita

Re: myFICO vs DISCOVER Equifax FICO score

EQ sold here is BEACON.. TU sold here is the older version.
Valued Contributor

Re: myFICO vs DISCOVER Equifax FICO score

When I got y discover the score was 738 and myfico was 760

SIlver:

Valued Contributor

Re: myFICO vs DISCOVER Equifax FICO score

That's EQ

SIlver: