topic Re: What credit score appears on discover statement? in General Credit Topics

What credit score appears on discover statement?

Egaffne2 — Wed, 11 Dec 2019 23:31:42 GMT

I have a discover it secured and I get a score on my statement. I'm trying to figure out what score it is, is it Equifax?

Re: What credit score appears on discover statement?

FireMedic1 — Wed, 11 Dec 2019 23:39:15 GMT

Discover provides TU FICO score 8. Discover Scorecard provides EX FICO score 8 for anyone.

Re: What credit score appears on discover statement?

Egaffne2 — Wed, 11 Dec 2019 23:44:10 GMT

That's what I've heard is it is TU but on my Experian. com 3-bureau report and scores my fico 8 TU is 15 points different than my TU on my discover statement, weird... My discover statement is higher. And they were pulled nearly the same day. Could Experian be pulling a older report. I trust that discover is probably more accurate

Re: What credit score appears on discover statement?

FireMedic1 — Fri, 13 Dec 2019 23:53:41 GMT

They post at different times. Your score is always changing day by day. Its almost the same date with card holders each month. And depends on when you do a pull on the free site.

Re: What credit score appears on discover statement?

OmarGB9 — Wed, 11 Dec 2019 23:54:02 GMT

Yea if you look at the fine print, they mention it's a TU FICO 8. As for it differing from EX 3-B pull, it could be different pull times as Medic mentioned.

Re: What credit score appears on discover statement?

Egaffne2 — Thu, 12 Dec 2019 00:04:25 GMT

Yea I suppose so it just seems weird to me. I just checked and my EX 3-B report and score was pulled 2 days after my discover statement and is 14 points lower. If that's accurate than I took a big unexplainable hit on TU in those 2 days that didn't happen to my EX score. EX I see everyday and it didn't change. I suppose it's possible but it's just weird. I guess I will find out on my next statement next week. Thanks guys!

Re: What credit score appears on discover statement?

OmarGB9 — Thu, 12 Dec 2019 00:09:46 GMT

No problem. As for the score dip, that is quite a bit of points. Did you open any new accounts, have any new negatives appear, have a spike in utilization, have an old account drop off, etc.?

Re: What credit score appears on discover statement?

Egaffne2 — Thu, 12 Dec 2019 01:45:42 GMT

Actually it's the Experian 3-B report that is lower than the score discover provided. And there was no radical changes in my report I did have a small increase in utilization but I'll have to check if that was in the span of the two days I got those scores. Like I said it's just weird but I'll be able to see next week when I get my discover statement what the score is on it. Then I might have a little more clarity. What's weird is on the Experian 3-B report for TransUnion there is a lot of parts of the report that say "no info". It's possible Experian has a delayed score or problems with the report.