topic Re: Discover FICO Version? in Credit Cards

Discover FICO Version?

Anonymous — Sat, 02 Jun 2012 19:02:16 GMT

I applied for Discover More Card on 5/24. Before I applied I pulled myFICO EQ it was 663.

Instant approval online $ 3000

I got my card today and a letter which stated FICO 723 Source Equifax Date 5/24

Any guesses on which version?

Re: Discover FICO Version?

MarineVietVet — Sat, 02 Jun 2012 19:29:14 GMT

@Anonymous wrote:
I applied for Discover More Card on 5/24. Before I applied I pulled myFICO EQ it was 663.

Instant approval online $ 3000

I got my card today and a letter which stated FICO 723 Source Equifax Date 5/24

Any guesses on which version?

We believe it to be a credit card enhanced FICO08.

Re: Discover FICO Version?

cardslayer — Thu, 28 Jun 2012 02:07:36 GMT

Same thing happened to me. I was about to post but found this post. Right AFTER I app'd I checked myFico here on this site and it was EQ - 655. Got the card and the letter in the mail today (different mailings, but arrived at same time) and it said 677. I was thoroughly confused , but makes sense that they use an enhanced scoring model of sorts. Thanks for clarifying!

Re: Discover FICO Version?

tcbofade — Thu, 28 Jun 2012 03:21:49 GMT

@MarineVietVet wrote:
@Anonymous wrote:
I applied for Discover More Card on 5/24. Before I applied I pulled myFICO EQ it was 663.

Instant approval online $ 3000

I got my card today and a letter which stated FICO 723 Source Equifax Date 5/24

Any guesses on which version?
We believe it to be a credit card enhanced FICO08.

...and there isn't a way that we can get access to that score, is there?

Re: Discover FICO Version?

MarineVietVet — Thu, 28 Jun 2012 03:43:00 GMT

@tcbofade wrote:

We believe it to be a credit card enhanced FICO08.
...and there isn't a way that we can get access to that score, is there?

I'm not sure what you're asking. Do you mean the CC enhanced FICO08 or the Classic TU08 offered to Walmart Discover and store card holders?

Re: Discover FICO Version?

Revelate — Thu, 28 Jun 2012 03:56:20 GMT

@tcbofade wrote:

We believe it to be a credit card enhanced FICO08.
...and there isn't a way that we can get access to that score, is there?

There's no method currently for getting a credit-enhanced (or any other industry option pull) without going through a lender unfortunately to my knowledge, and I think that's absolutely accurate in this case.

Re: Discover FICO Version?

negg — Thu, 28 Jun 2012 04:05:22 GMT

Just got a pre approved letter applied....approved for 1500. Limit. Here's the kicker my fico was 675 took a hit two weeks and went over my limit on 1 of my cards dropped my score to 615. Since then the bal was paid off. Amazing I got approved for 1500. Mahalo discover, I will treat you right.