topic Re: Discover Credit Scorecard 79% UTL good what? in Understanding FICO® Scoring

Discover Credit Scorecard 79% UTL good what?

Anonymous — Fri, 18 Oct 2019 16:15:34 GMT

So I had to make another theread here today as I saw something stupid. According to the Discover Credit Scorecard 79% usage is considered good.

Excuse me what?

Re: Discover Credit Scorecard 79% UTL good what?

Anonymous — Fri, 18 Oct 2019 18:26:43 GMT

Are you referring to creditscorecard.com (by Discover) or your scorecard accessed through your own Discover account?

Don't get hung up on the "good" or "very good" etc. arbitrary "ratings" provided by CMS fluff. From reading on here I'm sure you know what is good and what is not.

As a fun aside, my utilization on the scorecard through the Discover site is 1% and assigned the fluff rating of "very good" where if I go to creditscorecard.com my fluff rating is "exceptional" with the same data and 1% utilization. Both scorecards as many know appear to be nearly identical and of course by the same company, so these "ratings" can be inconsistent. My credit score is identical through both sources, so clearly the different fluff rating doesn't matter.

Re: Discover Credit Scorecard 79% UTL good what?

Anonymous — Sat, 19 Oct 2019 12:23:00 GMT

@Anonymous wrote:
Are you referring to creditscorecard.com (by Discover) or your scorecard accessed through your own Discover account?

Don't get hung up on the "good" or "very good" etc. arbitrary "ratings" provided by CMS fluff. From reading on here I'm sure you know what is good and what is not.

As a fun aside, my utilization on the scorecard through the Discover site is 1% and assigned the fluff rating of "very good" where if I go to creditscorecard.com my fluff rating is "exceptional" with the same data and 1% utilization. Both scorecards as many know appear to be nearly identical and of course by the same company, so these "ratings" can be inconsistent. My credit score is identical through both sources, so clearly the different fluff rating doesn't matter.

From creditscorecard.com. Just seems silly they'd say this is good when it's actually bad.