topic Re: Discover & Barclay TU model? in Credit Cards

Discover & Barclay TU model?

H4LO — Thu, 16 Jan 2014 23:31:10 GMT

Does anyone know what model both Discover and Barclay's are using?

On my Discover card it has a score dated 1/5/14, it shows 723.

On my Barclay card it has a score dated 1/15/14, it shows 745.

Wouldn't a 22 point jump be some what of a dramatic increase in such a short period of time?

Re: Discover & Barclay TU model?

gdale6 — Thu, 16 Jan 2014 23:56:58 GMT

Discover is a FICO 08 model (its not the bankcard enhanced version as the score only goes to 850, BC enhanced goes to 900). Dont have a Barclays.

Re: Discover & Barclay TU model?

xerostatus — Fri, 17 Jan 2014 00:00:40 GMT

It is my understanding that:

Walmart = Discover = Barclay

(all are TU08)

Re: Discover & Barclay TU model?

kkapdolee — Fri, 17 Jan 2014 00:04:31 GMT

@H4LO wrote:
Does anyone know what model both Discover and Barclay's are using?

On my Discover card it has a score dated 1/5/14, it shows 723.
On my Barclay card it has a score dated 1/15/14, it shows 745.

Wouldn't a 22 point jump be some what of a dramatic increase in such a short period of time?

That is very odd.

I don't have Barclay's but have Discover and Walmart. I thought all three were the same as well.

I'm pretty sure Barclay's would use TU 08 Classic because their rep told me during recon that they use TU 08 for applications.

Re: Discover & Barclay TU model?

xerostatus — Fri, 17 Jan 2014 00:06:33 GMT

Perhaps a change in reported balance between the report pulled on date1 vs date2?

Could be a statement or two was cut with/without balances, and would therefore change the util (as per reports)

Re: Discover & Barclay TU model?

H4LO — Fri, 17 Jan 2014 02:02:11 GMT

@xerostatus wrote:
Perhaps a change in reported balance between the report pulled on date1 vs date2?
Could be a statement or two was cut with/without balances, and would therefore change the util (as per reports)

This might be the case. 4-5 cards reduced & or no balance reported.

Might be the 22 point increase. Just wasn't thinking it'd be THAT much!

Re: Discover & Barclay TU model?

kkapdolee — Fri, 17 Jan 2014 02:06:44 GMT

@H4LO wrote:
@xerostatus wrote:
Perhaps a change in reported balance between the report pulled on date1 vs date2?
Could be a statement or two was cut with/without balances, and would therefore change the util (as per reports)
This might be the case. 4-5 cards reduced & or no balance reported.
Might be the 22 point increase. Just wasn't thinking it'd be THAT much!

I thought your OP said the scores were dated on the same day? Are you refering to the statement date on which you gained access to your scores or are you referring to the date on which your scores were calculated? If it's the latter, new balance reporting doesn't make sense.

Re: Discover & Barclay TU model?

H4LO — Fri, 17 Jan 2014 02:11:49 GMT

@kkapdolee wrote:
@H4LO wrote:
@xerostatus wrote:
Perhaps a change in reported balance between the report pulled on date1 vs date2?
Could be a statement or two was cut with/without balances, and would therefore change the util (as per reports)
This might be the case. 4-5 cards reduced & or no balance reported.
Might be the 22 point increase. Just wasn't thinking it'd be THAT much!
I thought your OP said the scores were dated on the same day? Are you refering to the statement date on which you gained access to your scores or are you referring to the date on which your scores were calculated? If it's the latter, new balance reporting doesn't make sense.

Scores pulled are dated 10 days apart. 5th of Jan and 10th of Jan.

4-5 cards statements posted with either no balance or reduced balance in that time. So it looks like that might have helped a lot!

Re: Discover & Barclay TU model?

kkapdolee — Fri, 17 Jan 2014 02:14:35 GMT

@H4LO wrote:
@kkapdolee wrote:
@H4LO wrote:
@xerostatus wrote:
Perhaps a change in reported balance between the report pulled on date1 vs date2?
Could be a statement or two was cut with/without balances, and would therefore change the util (as per reports)
This might be the case. 4-5 cards reduced & or no balance reported.
Might be the 22 point increase. Just wasn't thinking it'd be THAT much!
I thought your OP said the scores were dated on the same day? Are you refering to the statement date on which you gained access to your scores or are you referring to the date on which your scores were calculated? If it's the latter, new balance reporting doesn't make sense.

Scores pulled are dated 10 days apart. 5th of Jan and 10th of Jan.
4-5 cards statements posted with either no balance or reduced balance in that time. So it looks like that might have helped a lot!

Oh then why didn't you say so on the OP? That's it then. Of course same credit scores can differ on different dates.. 22 points is not a lot.