topic Re: Discover FICO vs MyFico TU Scores in General Credit Topics

Discover FICO vs MyFico TU Scores

-Wade- — Fri, 31 Jan 2014 18:38:07 GMT

The month of Dec. myFico@797 and Discover@ 797 .... How does your 2 Scores Compare????

Thanks Wade

my Discover FICO was 810 in Jan. but I didn't check myFico .

Re: Discover FICO vs MyFico TU Scores

AndySoCal — Fri, 31 Jan 2014 22:37:26 GMT

Keep in mind they are both FICO scores but not the same model. Sometimes they might agree and other times they wont due to idfferences in the model.

Re: Discover FICO vs MyFico TU Scores

-Wade- — Sat, 01 Feb 2014 04:42:07 GMT

@AndySoCal wrote:
Keep in mind they are both FICO scores but not the same model. Sometimes they might agree and other times they wont due to idfferences in the model.

I know they are not the same model! I was just waiting to see how close they were to each other

Re: Discover FICO vs MyFico TU Scores

Transmogrifying_Bee — Sat, 01 Feb 2014 05:35:23 GMT

@Wade64 wrote:
The month of Dec. myFico@797 and Discover@ 797 .... How does your 2 Scores Compare????
Thanks Wade

my Discover FICO was 810 in Jan. but I didn't check myFico .

myFICO TU Score (9/2013) 750

Discover FICO TU Score (1/2014) 718

(32 point difference!)

Re: Discover FICO vs MyFico TU Scores

-Wade- — Sat, 01 Feb 2014 07:08:40 GMT

@Corgihound wrote:
@Wade64 wrote:
The month of Dec. myFico@797 and Discover@ 797 .... How does your 2 Scores Compare????
Thanks Wade

my Discover FICO was 810 in Jan. but I didn't check myFico .
myFICO TU Score (9/2013) 750
Discover FICO TU Score (1/2014) 718

(32 point difference!)

That's 4 months apart also

Re: Discover FICO vs MyFico TU Scores

VirtualCuriosity — Sat, 01 Feb 2014 07:29:40 GMT

+14 with Discover, but a month apart. The next Discover statement will reflect a closer pull date

Re: Discover FICO vs MyFico TU Scores

Transmogrifying_Bee — Sat, 01 Feb 2014 07:32:47 GMT

@Wade64 wrote:
@Corgihound wrote:
@Wade64 wrote:
The month of Dec. myFico@797 and Discover@ 797 .... How does your 2 Scores Compare????
Thanks Wade

my Discover FICO was 810 in Jan. but I didn't check myFico .
myFICO TU Score (9/2013) 750
Discover FICO TU Score (1/2014) 718

(32 point difference!)
That's 4 months apart also

Yes, there is a 4 month spread in my TU Fico scores comparision. I forgot that I obtained a new TU myFICO score last December (2014), just after I received my Discover FICO score. The myFICO TU score was still 750, same as in September! Sorry for the confusion . . . !

Re: Discover FICO vs MyFico TU Scores

-Wade- — Sat, 01 Feb 2014 07:38:53 GMT

@VirtualCuriosity wrote:
+14 with Discover, but a month apart. The next Discover statement will reflect a closer pull date

Please update wirh new Discover updated score! thanks

Re: Discover FICO vs MyFico TU Scores

-Wade- — Sat, 01 Feb 2014 07:41:34 GMT

@Corgihound wrote:
@Wade64 wrote:
@Corgihound wrote:
@Wade64 wrote:
The month of Dec. myFico@797 and Discover@ 797 .... How does your 2 Scores Compare????
Thanks Wade

my Discover FICO was 810 in Jan. but I didn't check myFico .
myFICO TU Score (9/2013) 750
Discover FICO TU Score (1/2014) 718

(32 point difference!)
That's 4 months apart also
Yes, there is a 4 month spread in my TU Fico scores comparision. I forgot that I obtained a new TU myFICO score last December (2014), just after I received my Discover FICO score. The myFICO TU score was still 750, same as in September! Sorry for the confusion . . . !

Thanks I was just compairing the 2 models

Re: Discover FICO vs MyFico TU Scores

VirtualCuriosity — Tue, 04 Feb 2014 08:24:58 GMT

@Wade64 wrote:
@VirtualCuriosity wrote:
+14 with Discover, but a month apart. The next Discover statement will reflect a closer pull date
Please update wirh new Discover updated score! thanks

Discover just came in and is only +1 from the myfico pull 6 days earlier. Slight utilization decrease, so they are the same for me.

Re: Discover FICO vs MyFico TU Scores

-Wade- — Thu, 06 Feb 2014 01:18:32 GMT

@VirtualCuriosity wrote:
@Wade64 wrote:
@VirtualCuriosity wrote:
+14 with Discover, but a month apart. The next Discover statement will reflect a closer pull date
Please update wirh new Discover updated score! thanks
Discover just came in and is only +1 from the myfico pull 6 days earlier. Slight utilization decrease, so they are the same for me.

Thanks for the update ........I know mine were the same last time i checked them both together

Re: Discover FICO vs MyFico TU Scores

Revelate — Fri, 07 Feb 2014 07:28:00 GMT

@Wade64 wrote:
@VirtualCuriosity wrote:
@Wade64 wrote:
@VirtualCuriosity wrote:
+14 with Discover, but a month apart. The next Discover statement will reflect a closer pull date
Please update wirh new Discover updated score! thanks
Discover just came in and is only +1 from the myfico pull 6 days earlier. Slight utilization decrease, so they are the same for me.
Thanks for the update ........I know mine were the same last time i checked them both together

It's coincidence. They are not the same model, 10 years difference in their development time. My own pre-goofy tax lien was off by >30 points; now they're likely close to identical with the recent major derog which I still have yet to mail the stupid paperwork in for.