topic Re: Which EQ score provided at discover pre-approval ? in General Credit Topics

Which EQ score provided at discover pre-approval ?

patoot10 — Tue, 14 Nov 2017 20:59:23 GMT

Hello

I tried to check my discover offers through their new pre-approval page but I didn't get any offer due to the fact that I have a new discover card that is less than one year

However I did see that they offer a FICO score based on EQ report at the end of the denial letter

is this a FICO 8 score ? given that the range is 300 to 850 so its not a bankcard model

if anyone know their current EQ FICO 8 score and tried this page let me know if its the same score

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Re: Which EQ score provided at discover pre-approval ?

JVille — Tue, 14 Nov 2017 23:36:48 GMT

Just pulled mine up on the Discover site. An it says “Fico Score 8 From Transunion” hope this helps!

Re: Which EQ score provided at discover pre-approval ?

patoot10 — Wed, 15 Nov 2017 00:07:42 GMT

Thanks for the input but I think you missed my point

I am not asking about the score provided in your discover credit card account which is FICO 8 based on TU

I am asking about the score provided if you try their pre-approval page and get denied and offered an EQ FICO score

Thanks though

Re: Which EQ score provided at discover pre-approval ?

Ardecko — Wed, 15 Nov 2017 00:11:43 GMT

That's not the same thing. That's the free TU provided monthly.

I asked a similar question a couple of days ago, but did not receive an answer. We may not know, or have not yet attracted the right attention. http://ficoforums.myfico.com/t5/Credit-Card-Applications/Discover-App-provided-score-FICO-08/m-p/5092346/jump-to/first-unread-message

Re: Which EQ score provided at discover pre-approval ?

JVille — Wed, 15 Nov 2017 00:12:39 GMT

Sorry I misunderstood and thought thats what you wanted.

Re: Which EQ score provided at discover pre-approval ?

patoot10 — Wed, 15 Nov 2017 00:19:54 GMT

I actually called discover credit operations number and they don't know

apparently the only way to know is for someone to pull their EQ 8 through a paid service and then go directly to discover and not have any offers to match the scores !!

If this is EQ 8 then that's awesome .. it means that discover is effectively offering all FICO 8 scores for free though u need to be a card holder to get TU

Re: Which EQ score provided at discover pre-approval ?

Anonymous — Wed, 15 Nov 2017 00:43:52 GMT

So you need to NOT get any pre-qualified offers, then you'll see your EQ 08 score? I just tried and it came up with the IT and the CHROME, so I guess no dice there.

Re: Which EQ score provided at discover pre-approval ?

patoot10 — Wed, 15 Nov 2017 00:59:23 GMT

Do you have a discover card ? .. if yes when did you open it ?

Re: Which EQ score provided at discover pre-approval ?

Anonymous — Wed, 15 Nov 2017 03:10:38 GMT

Not sure who you are posing the above question to? I've had it for about 6 months.

Re: Which EQ score provided at discover pre-approval ?

JVille — Wed, 15 Nov 2017 04:48:52 GMT

Yep, don’t know who you are asking but Yes I have a Discover Card opened in 1989

Re: Which EQ score provided at discover pre-approval ?

Thomas_Thumb — Wed, 15 Nov 2017 12:20:56 GMT

@JVille wrote:
Yep, don’t know who you are asking but Yes I have a Discover Card opened in 1989

Awesome, I have a Discover Card opened in 1989 as well.

The card was originally a platinum card which Discover replaced with the Discover More card. When solicited to convert to a Discover IT, I kept the More variant because I could

Re: Which EQ score provided at discover pre-approval ?

Anonymous — Wed, 15 Nov 2017 13:49:55 GMT

Were Discover cards first offered through Sears? I know the card came about in 1985 and was affiliated with Sears.

Re: Which EQ score provided at discover pre-approval ?

Anonymous — Wed, 15 Nov 2017 14:02:37 GMT

Sears bought Dean Witter in 1985 and also acquired Greenwood Trust Bank around then. Greenwood issued the Discover card.

The first Discover cards had the Sears Tower on them.

Re: Which EQ score provided at discover pre-approval ?

JVille — Wed, 15 Nov 2017 17:21:38 GMT

I suspect ours came thru Sears since it’s got an opening date of 1989. Over the years they have upped the Credit Limit to the point of ridiculous in the hopes we might actually spend that money! Crazy, no wonder people get themselves in trouble.

Re: Which EQ score provided at discover pre-approval ?

Thomas_Thumb — Wed, 15 Nov 2017 18:05:14 GMT

@Anonymous wrote:
Were Discover cards first offered through Sears? I know the card came about in 1985 and was affiliated with Sears.

Yes, Sears was involved with the creation of this card. It was introduced to the public in 1986 in a super bowl commercial. It was the 1st (or one of the 1st) revolving credit cards to be offered with no annual fee. AT&T adopted the no AF policy when they introduced their Universal Mastercard in 1989. I was an early adopter of both these cards primarily due to the no AF.

Re: Which EQ score provided at discover pre-approval ?

Anonymous — Wed, 15 Nov 2017 21:21:50 GMT

Yeah, I would like to know what EQ score they provide when you donlt have any pre-approvals. Mine came up as 787 a few weeks ago. Think that may be a little high if it's FICO 8. Don't know.

Re: Which EQ score provided at discover pre-approval ?

patoot10 — Thu, 16 Nov 2017 01:32:24 GMT

To everyone wondering the same thing a member named CreditCuriousity Confirmed that its indeed FICO 8

So yay to all those who have a new discover account or can't pre-qualify for discover (Free EQ FICO 8 score) which pretty much no one offers for free even if you own a specific credit card

It makes sense that this score is FICO 8 because the range is 300 to 850 so its not bankcard and also discover is known for soft pulling your report and offering a quick summary with FICO 8 score (Discover account does that with TU) and (Creditscorecard does it with EX) so I don't think their prequalify will be any different. They check a summary of your EQ and offer a FICO 8 score and then when you apply they HP your EQ but this time you might get the bankcard with your approval or denial package

cheers