topic Re: Disco Cardmember Scorecard in Credit Cards

Disco Cardmember Scorecard

Anonymous — Tue, 26 Sep 2017 12:57:42 GMT

Disco updated the interface for the TU cardmember FICO score. Very nice!

Re: Disco Cardmember Scorecard

Anonymous — Tue, 26 Sep 2017 13:18:03 GMT

Looking nice! i like the layout.

Re: Disco Cardmember Scorecard

shoegal — Tue, 26 Sep 2017 14:42:34 GMT

Good to know!

Re: Disco Cardmember Scorecard

Anonymous — Tue, 26 Sep 2017 14:45:52 GMT

That length of credit always throws me off because it shows 5 years for me even though I have (closed) accounts at 12 years. Always makes me hop over to a monitoring site to see if my old closed account fell off!

Re: Disco Cardmember Scorecard

joltdude — Tue, 26 Sep 2017 15:40:27 GMT

Also the Member version of Credit Scorecard.... Also is now avalible in the mobile app.. NIcely formatted too....

-J

Re: Disco Cardmember Scorecard

LadyJEsq — Tue, 26 Sep 2017 16:28:31 GMT

Interesting, they must've just upgraded the site because I was just there a couple of days ago and it still looked pretty lackluster. Glad to see someone got a clue and upgraded!

Re: Disco Cardmember Scorecard

Schwartzinator — Tue, 26 Sep 2017 19:17:15 GMT

I just noticed this a couple minutes ago. Really enjoy the new layout! Anyone else have the wrong number of total accounts listed though? I've opened 11 accounts in total, but have closed 7 leaving 4 open and yet it lists my total number of accounts as 7?!

Re: Disco Cardmember Scorecard

Anonymous — Tue, 26 Sep 2017 19:33:34 GMT

@Schwartzinator wrote:
I just noticed this a couple minutes ago. Really enjoy the new layout! Anyone else have the wrong number of total accounts listed though? I've opened 11 accounts in total, but have closed 7 leaving 4 open and yet it lists my total number of accounts as 7?!

Yeah, mine is incorrect. Shows 3 inquiries in TU (I'll take it LOL) but i have 13.

Re: Disco Cardmember Scorecard

Anonymous — Tue, 26 Sep 2017 19:56:54 GMT

I really like the new layout, but my number of inquiries and open accounts are both wrong.

Re: Disco Cardmember Scorecard

Artemis092 — Tue, 26 Sep 2017 20:34:13 GMT

My inquiries are not right either. I think it's just counting inqs within the last year.

Re: Disco Cardmember Scorecard

Anonymous — Tue, 26 Sep 2017 22:42:47 GMT

@Anonymous wrote:
@Schwartzinator wrote:
I just noticed this a couple minutes ago. Really enjoy the new layout! Anyone else have the wrong number of total accounts listed though? I've opened 11 accounts in total, but have closed 7 leaving 4 open and yet it lists my total number of accounts as 7?!
Yeah, mine is incorrect. Shows 3 inquiries in TU (I'll take it LOL) but i have 13.

Hi,

If you click the inquriy page, it will said "in the past 12 months" so most likely yours show you had 3 inquiries in the past 12 months, not in 24 months. Hope this help.

Re: Disco Cardmember Scorecard

Anonymous — Tue, 26 Sep 2017 22:36:43 GMT

@Anonymous wrote:
@Anonymous wrote:
@Schwartzinator wrote:
I just noticed this a couple minutes ago. Really enjoy the new layout! Anyone else have the wrong number of total accounts listed though? I've opened 11 accounts in total, but have closed 7 leaving 4 open and yet it lists my total number of accounts as 7?!
Yeah, mine is incorrect. Shows 3 inquiries in TU (I'll take it LOL) but i have 13.
Hi,
If you click the inquriy page, it will said "in the past 12 months" so most likely yours show yo had 3 inquiries in the past 12 months, not in 24 months. Hope this help.

That still doesn't sound right. I had 7 from Sep/2016 until now Sep/2017

Re: Disco Cardmember Scorecard

Anonymous — Sun, 08 Oct 2017 00:43:42 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Schwartzinator wrote:
I just noticed this a couple minutes ago. Really enjoy the new layout! Anyone else have the wrong number of total accounts listed though? I've opened 11 accounts in total, but have closed 7 leaving 4 open and yet it lists my total number of accounts as 7?!
Yeah, mine is incorrect. Shows 3 inquiries in TU (I'll take it LOL) but i have 13.
Hi,
If you click the inquriy page, it will said "in the past 12 months" so most likely yours show yo had 3 inquiries in the past 12 months, not in 24 months. Hope this help.
That still doesn't sound right. I had 7 from Sep/2016 until now Sep/2017

What if you ignore the 9/16 and 10/16 queries?

Re: Disco Cardmember Scorecard

Anonymous — Sun, 08 Oct 2017 01:30:18 GMT

My number of accounts, inquiries and so on seem to be correct.

Re: Disco Cardmember Scorecard

A1Credit — Wed, 11 Oct 2017 18:09:17 GMT

I find it strange that Discover Scorecard provides your TU score but if I apply for a card they will pull EQ. How am I suppose to trust them when I get an offer to apply when I log into my scorecard account?

Re: Disco Cardmember Scorecard

Anonymous — Wed, 11 Oct 2017 18:59:05 GMT

My disco scorecard is accurate in fico8 only. Nearly every other category has incorrect or conflicting information - both online and in-app. Interestingly the color coding for categories does match, like it shows 0 recently inquiries but is coded yellow reflecting the 3-4 actually on my TU report.

Re: Disco Cardmember Scorecard

K-in-Boston — Wed, 11 Oct 2017 19:27:35 GMT

FICO Score (Good) - TU 08 score is correct. (Although since that was pulled, I crossed back into Very Good since my Amazon and Lowe's pulls this month were back in the 740s.)
Total Accounts (Exceptional): Wrong. By the number of installment and revolving accounts it is giving, I determined that AU credit card accounts are excluded and joint auto and mortgage loans are excluded from this count.
Length of Credit (Very Good) - Wrong. It is not calculating authorized user accounts, and since the last of my cards that I opened in the 90s have fallen off of my reports I'm only getting 16 years.
Inquiries (Poor) - Wrong. It says 5 in last 12 months. I have 10 and they are not borderline to being in the 12 month range (Sep-Sep) since they run November to June. However, I do have inquiries from 5 lenders in the past 12 months, so my guess is that it appears to be discarding HPs from the same lender - can anyone else verify that this is what it breaks down to for them?
Revolving Utilization (Very Good) - This might be correct, but I think it's ignoring AU accounts. I'll have to make note in a few days of what those two utilization numbers (solo or with the AU accounts) are in a few days when they are scheduled to pull my score so I can answer this. The numbers are going to be within 0% to 2% of each other, so not sure if I can tell them apart.
Missed Payments (Exceptional) - 0 is always the correct answer here.

So this appears to be like Credit Karma, where the scores are correct (VS3 usefulness arguments aside) but the data that their system is displaying may not be complete.