topic Re: Discover Fico in General Credit Topics

Discover Fico

Harvey26 — Sun, 01 Nov 2015 02:37:05 GMT

Recently got my Discover Fico score and it was a 756! WOW ! I was really excited to see that...

Re: Discover Fico

fury1995 — Sun, 01 Nov 2015 02:38:35 GMT

@Harvey26 wrote:
Recently got my Discover Fico score and it was a 756! WOW ! I was really excited to see that...

Congrats.. nice

How often is your Fico updating on Discover?

Re: Discover Fico

pizza1 — Sun, 01 Nov 2015 02:39:00 GMT

Shoot, Id be excited too!! Thats a sweet TU score, congrats I won't see a score like that till 2023 after my BK is gone.

Re: Discover Fico

Harvey26 — Sun, 01 Nov 2015 03:31:38 GMT

Every month when my statment comes out

Re: Discover Fico

CreditMagic7 — Sun, 01 Nov 2015 03:39:51 GMT

Nice

That score is H0T territory for very good Synchrony CLI's as well as others.

Re: Discover Fico

Anonymous — Sun, 01 Nov 2015 12:35:39 GMT

Congratulations!!!! It feels good doesn't it?

Re: Discover Fico

TiggerDat — Sun, 01 Nov 2015 13:05:46 GMT

That is a nice sight. My score on Discover is 726. I hope for an increase next month when my statement cuts. It increased 9 points from the month before. I prefer my FNBO FICO score of 780. I love seeing that score! The score I get from Discover is one of the lowest. Even my CapOne card is higher.

Re: Discover Fico

Mellon — Sun, 01 Nov 2015 13:22:31 GMT

Go for the Ebates card!!!!

Re: Discover Fico

newhis — Sun, 01 Nov 2015 14:05:33 GMT

@fury1995 wrote:
@Harvey26 wrote:
Recently got my Discover Fico score and it was a 756! WOW ! I was really excited to see that...
Congrats.. nice

How often is your Fico updating on Discover?

For me every month, same day the 12th. My statement cut on the 18th, usually I can see my score online the night of the 16th, only once I was not able to see it for several days, I had to download the statement to see the score (was not able to see it online), I downloaded the app and I was able to see it there too. They fixed the problem after 2 weeks or so.

Re: Discover Fico

Anonymous — Sun, 01 Nov 2015 22:20:20 GMT

tiggerdat: keep in mind capital one doesn't give fico. also FNBO isn't transunion.

Re: Discover Fico

Anonymous — Sun, 01 Nov 2015 22:46:18 GMT

@Harvey26 wrote:
Recently got my Discover Fico score and it was a 756! WOW ! I was really excited to see that...

Wow, huge congrats to you! You are in the golden territory now!!!👏🏼👏🏼👏🏼👏🏼👏🏼

Re: Discover Fico

Anonymous — Sun, 01 Nov 2015 23:09:14 GMT

Congratulations!

Re: Discover Fico

LadyJEsq — Sun, 01 Nov 2015 23:20:40 GMT

Yes, FNBO is EX and I believe it's FICO 8 bankcard, so that's why it's different.

Re: Discover Fico

takeshi74 — Mon, 02 Nov 2015 14:26:02 GMT

@TiggerDat wrote:
That is a nice sight. My score on Discover is 726. I hope for an increase next month when my statement cuts. It increased 9 points from the month before. I prefer my FNBO FICO score of 780. I love seeing that score! The score I get from Discover is one of the lowest. Even my CapOne card is higher.

Don't fixate just on the numbers. Always consider the specific scoring model and CRA as well as relevance to given creditors.

As for the FNBO FICO, keep in mind that it's an Experian FICO 8 Bankcard score. That model is on a different point scale than the standard FICO 8 model like the TU FICO 8 from Discover. See also the Understanding FICO Scoring Subforum and its stickies for more info on the different FICO models used by creditors.

As stated above, the CO score is a FAKO that isn't used by any creditor. IIRC it's the TransUnion New Account model.