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    <title>topic Discover IT Approval Score vs BMW Financial  Approval Score in Understanding FICO® Scoring</title>
    <link>https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Discover-IT-Approval-Score-vs-BMW-Financial-Approval-Score/m-p/3286116#M82255</link>
    <description>&lt;P&gt;I just got a 2014 X5 today, and what a difference a year and half makes. A big thank you to all of you here.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;The lady at BMW dealership told me that my Experian score is really good at 733 (and got 0 down, 1.99 APR). But this score of 733 is 20 points higher than Disover EX score of 713 I received a week ago when I got my Discover IT Card. Is both a FICO score or a auto enhanced score? I asked&amp;nbsp;the lady at the dealership&amp;nbsp;for a copy,&amp;nbsp;she said she can't share that info.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;</description>
    <pubDate>Sun, 27 Jul 2014 03:15:00 GMT</pubDate>
    <dc:creator>burghpa</dc:creator>
    <dc:date>2014-07-27T03:15:00Z</dc:date>
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      <title>Discover IT Approval Score vs BMW Financial  Approval Score</title>
      <link>https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Discover-IT-Approval-Score-vs-BMW-Financial-Approval-Score/m-p/3286116#M82255</link>
      <description>&lt;P&gt;I just got a 2014 X5 today, and what a difference a year and half makes. A big thank you to all of you here.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;The lady at BMW dealership told me that my Experian score is really good at 733 (and got 0 down, 1.99 APR). But this score of 733 is 20 points higher than Disover EX score of 713 I received a week ago when I got my Discover IT Card. Is both a FICO score or a auto enhanced score? I asked&amp;nbsp;the lady at the dealership&amp;nbsp;for a copy,&amp;nbsp;she said she can't share that info.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Sun, 27 Jul 2014 03:15:00 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Discover-IT-Approval-Score-vs-BMW-Financial-Approval-Score/m-p/3286116#M82255</guid>
      <dc:creator>burghpa</dc:creator>
      <dc:date>2014-07-27T03:15:00Z</dc:date>
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    <item>
      <title>Re: Discover IT Approval Score vs BMW Financial  Approval Score</title>
      <link>https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Discover-IT-Approval-Score-vs-BMW-Financial-Approval-Score/m-p/3286198#M82256</link>
      <description>&lt;P&gt;There are about 69 different fico scoring formulas. Generally speaking when purchasing an auto, the dealer will obtain a Fico Auto Enhanced score.&lt;/P&gt;</description>
      <pubDate>Sun, 27 Jul 2014 03:42:25 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Discover-IT-Approval-Score-vs-BMW-Financial-Approval-Score/m-p/3286198#M82256</guid>
      <dc:creator>bettercreditguy1</dc:creator>
      <dc:date>2014-07-27T03:42:25Z</dc:date>
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