topic Re: Discover Scorecard Not Updating? in Understanding FICO® Scoring

Discover Scorecard Not Updating?

Tim_S — Tue, 10 Oct 2017 18:10:45 GMT

My Discover Scorecard states, "This is your Credit Scorecard as of 08/19/2017. Come back after 30 days to refresh it". Is anyone elses not updating? I'm wondering if it's because I froze my credit files?

Re: Discover Scorecard Not Updating?

Sbrooks1 — Tue, 10 Oct 2017 18:55:25 GMT

Mine too, I also can't pull a trial with CCT and I have all 3 frozen. Can pull TU on CK but not equifax

Re: Discover Scorecard Not Updating?

Anonymous — Tue, 10 Oct 2017 19:10:31 GMT

@Tim_S wrote:
I'm wondering if it's because I froze my credit files?

I would say you identified the reason why right there.

Re: Discover Scorecard Not Updating?

Tim_S — Wed, 18 Oct 2017 16:42:43 GMT

Thank you Brutal. I was under the impression that freezing my credit files would only prevent new creditors from pulling my report. I didn't realize it would prevent FICO score updates.

Re: Discover Scorecard Not Updating?

Anonymous — Wed, 18 Oct 2017 17:51:47 GMT

While I'm not expert on freezing (I've never frozen my reports) I was always under the impression that it prevents any access to your reports. If you were to unfreeze EX file, I'd think your score card would update, then you could always re-freeze it I suppose?

Re: Discover Scorecard Not Updating?

Tim_S — Thu, 19 Oct 2017 23:29:08 GMT

It's interesting why Credit Karma is still updating though?

Re: Discover Scorecard Not Updating?

rooeez — Thu, 19 Oct 2017 23:43:57 GMT

Mine hasn't updated since July. I was justing using Experian's free site to get the same score.

Re: Discover Scorecard Not Updating?

rooeez — Fri, 20 Oct 2017 04:52:47 GMT

Just a note. When I logged into the Discover app on my phone the Fico scores were all current. No idea why the website is different.

Re: Discover Scorecard Not Updating?

newhis — Fri, 20 Oct 2017 13:49:23 GMT

@rooeez wrote:
Just a note. When I logged into the Discover app on my phone the Fico scores were all current. No idea why the website is different.

Discover has 2 products, 1) the Discover Scorecard for non-members, that information is EX based, 2) and then recently changed their creditcard free FICO (TU based) and call it Scorecard also.

If you use #2, sometimes the Scorecard will show the previous data and not the latest (that you can see with the mobile app). I guess they are still working with some things to present the latest Scorecard sooner.

Re: Discover Scorecard Not Updating?

rooeez — Fri, 20 Oct 2017 15:24:26 GMT

@newhis wrote:
@rooeez wrote:
Just a note. When I logged into the Discover app on my phone the Fico scores were all current. No idea why the website is different.
Discover has 2 products, 1) the Discover Scorecard for non-members, that information is EX based, 2) and then recently changed their creditcard free FICO (TU based) and call it Scorecard also.

If you use #2, sometimes the Scorecard will show the previous data and not the latest (that you can see with the mobile app). I guess they are still working with some things to present the latest Scorecard sooner.

That's right I forgot. The app TU score is what they provide on the statements.

Re: Discover Scorecard Not Updating?

Meanmchine — Sun, 03 Dec 2017 02:45:34 GMT

** BUMP **

EX not frozen. Free scorecard wont update. Last update 9/9/17

Ive had all three files frozen and have gotten my regular monthly 3-pull from CCT

No probs