Moderator Emeritus
Posts: 11,955
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 04 561, TU 98 567, EX 98 599 (12/30/11)
Current Score: EQ 04 700, TU 04 731, EX 98 725 (05/24/15)
Goal Score: 700 on EQ 04 (01/01/16)


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