Discover Credit Scores...
01-18-2013 10:38 AM
I got my Discover It card in the mail today (yay!). What kind of confused me is that on the letter they sent me, they said my Equifax FICO was 728 - on the same day that myfico said it was 752. I know there's only one true fico score...so which one is right?
Re: Discover Credit Scores...
01-18-2013 10:49 AM
I remember reading something about Discover's score being "bankcard enhanced"..whatever that means.
Current Score: TU TransRisk 590|EQ FICO 677|EX FAKO 674|Vantage 684 as of March 6, 20
Goal Score: 750-800 across the board
Take the FICO Fitness Challenge
Re: Discover Credit Scores...
01-18-2013 10:52 AM
as mentioned elsewhere today, there are 49 versions of FICO scores so both scores are right, its just a matter of which one the creditor is using
Sockdrawer: Paypal Extras MC 3.2k, CapOne 2k, CapOne 750, Amazon 3.9k, Sams Club store 4.8k, and a nice stack of store cards.
Last APP 5/16/2013
Re: Discover Credit Scores...
01-18-2013 01:55 PM
Got my IT card a week or so ago, and the Discover score was the same as myFico EQ 744 on the same day.
Starting Score 9/12: EQ 645 TU 641 EX 651Current Score5/13: myFico EQ 702 Walmart TU 694 EX/Direct.com 716
Goal Score: 750
US Bank PLOC-$15K, CapOne/HSBC Visa-$15k, US Bank Visa- $10k, DCU Visa-$10k, USAA Visa-$6k, CapOne Visa-$5k, GECU-$3500, Discover IT-$1875, Lowes-$1650, Walmart-$1600, BoA Visa-$1500, Paypal Xtras MC-$1500, US Bank RLOC-$750
Take the FICO Fitness Challenge
Re: Discover Credit Scores...
01-18-2013 02:05 PM
Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 678 TU 702 (Amex pull) EX 724 (Amex) CK 682 (FAKO-EX 684, EQ 684, TU 684)
Goal Score: 750
Take the FICO Fitness Challenge
Re: Discover Credit Scores...
[ Edited ]01-18-2013 08:01 PM - edited 01-18-2013 08:02 PM
Without their stating so, we're pretty confident that Discover isn't using the EQ version found here, namely EQ Beacon 5.0 / EQ FICO '04 base or classic.
It's possible they're using:
- FICO '04 Bankcard-enhanced
- FICO '08
- FICO '08 Bankcard-enhanced (my personal bet)
The other options aren't particularly likely; however, sadly without a lot more anecodtal data or unless there becomes a legal mandate to disclose the exact score that was used, we're sort of making SWAG's.

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)Current Score: EQ 660, Wally TU 697, EX unknown (05/13/13)
Goal Score: 680 in all three (01/01/14)
Take the FICO Fitness Challenge
Re: Discover Credit Scores...
01-18-2013 08:17 PM
No FICO score yet credit too young, just moved here from UK with 2 months secured cards reporting approved for Discover Motiva 12/12.Approval letter had my Creditkarma score 713
just PCed it to IT getting it first week in February.
Current Scores: EQ 627 TU 687 EX 655 CK 663
Goal Scores : 690+ across the board..........no apps till Dec 2013
In wallet:CAP1 MC/ BOA 123 REWARDS/ DISCOVER
Future wallet: Amex, Citi, Chase

