Regular Contributor
AshCas
Posts: 119
Registered: ‎10-25-2011
Discover Credit Scores...

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?

Valued Contributor
injustifiiable
Posts: 1,084
Registered: ‎03-30-2012
Re: Discover Credit Scores...

I remember reading something about Discover's score being "bankcard enhanced"..whatever that means.



Starting Score: TU TransRisk 532| EQ FICO 635|EX Plus 612
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


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Valued Contributor
jamesdwi
Posts: 1,096
Registered: ‎09-16-2011
Re: Discover Credit Scores...

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

Wallet: FNBO DISC 7.5k, , Chase Freedom 3.3k & Slate 3.3k, AMEX BCP 7.5k & AMEX Hilton Surpass 5.5k & AMEX Zync NPSL, Walmart 3.3k, CapOne AU 1.5k
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
Valued Member
akabigo
Posts: 47
Registered: ‎11-01-2012
Re: Discover Credit Scores...

When I applied for mine, MyFico said 806, Discover said 800. Close enough I guess

 

 

Regular Contributor
SE7EN57
Posts: 133
Registered: ‎12-08-2012
Re: Discover Credit Scores...

My girlfriend just got her $1,200 discover it card and it showed her fico score was only 651.

 photo d132202e-50dc-4d73-9df2-1f138f451209_zps86e34e8d.jpg
Regular Contributor
racer-x
Posts: 227
Registered: ‎09-16-2012
Re: Discover Credit Scores...

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 651
Current 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

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Valued Contributor
Duncanrr
Posts: 2,500
Registered: ‎06-08-2012
Re: Discover Credit Scores...
My Discover EQ FICO was 699. Myfico EQ at the time was like 680.


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

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Moderator
Revelate
Posts: 4,276
Registered: ‎12-30-2011
Re: Discover Credit Scores...
[ Edited ]

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)


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Member
financekid
Posts: 8
Registered: ‎12-24-2012
Re: Discover Credit Scores...

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:womansurprised: just PCed  it to IT getting it first week in February.

Starting Score: FAKOS EQ 627 TU 687 EX 627 CK 713 (12/12)
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