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Disco using VS for SP Prequals I think...

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Disco using VS for SP Prequals I think...

I do believe Discover is using Vantage Score (not Victorias Secret) Smiley Very Happy now for SP Prequals. Def wasnt a FICO score.... Smiley LOL The score that came in the mail made me do a double take. This was from an ill advised App attack many moons ago.. just got the Denial letter. I though someone got a hold of my info its been so long... (30 days) Smiley Very Happy Not to worry I apped for 3 I think that day. I thought I was puttin in work until I saw what some beasts in the forum can accomplish Smiley LOL Got my hand slapped and I put the laptop away. Smiley Embarassed Disco said I needed more meat on my bones....

~ This is Chess... It ain't Checkers!!! ~
Message 1 of 22
21 REPLIES 21
Community Leader
Valued Contributor

Re: Disco using VS for SP Prequals I think...


@SilverSmith wrote:

I do believe Discover is using Vantage Score (not Victorias Secret) Smiley Very Happy now for SP Prequals. Def wasnt a FICO score.... Smiley LOL The score that came in the mail made me do a double take. This was from an ill advised App attack many moons ago.. just got the Denial letter. I though someone got a hold of my info its been so long... (30 days) Smiley Very Happy Not to worry I apped for 3 I think that day. I thought I was puttin in work until I saw what some beasts in the forum can accomplish Smiley LOL Got my hand slapped and I put the laptop away. Smiley Embarassed Disco said I needed more meat on my bones....


I get more letters from them than any person should 😂and my score appears to remain FICO, of course this is for CLIs on my card. Not sure if they would use useless VS but who knows, maybe others will have same experience? 

Message 2 of 22
Regular Contributor

Re: Disco using VS for SP Prequals I think...


@Jnbmom wrote:

@SilverSmith wrote:

I do believe Discover is using Vantage Score (not Victorias Secret) Smiley Very Happy now for SP Prequals. Def wasnt a FICO score.... Smiley LOL The score that came in the mail made me do a double take. This was from an ill advised App attack many moons ago.. just got the Denial letter. I though someone got a hold of my info its been so long... (30 days) Smiley Very Happy Not to worry I apped for 3 I think that day. I thought I was puttin in work until I saw what some beasts in the forum can accomplish Smiley LOL Got my hand slapped and I put the laptop away. Smiley Embarassed Disco said I needed more meat on my bones....


I get more letters from them than any person should 😂and my score appears to remain FICO.


My Experian IdentityWorks might be broken then Smiley Surprised Oh boyyyy.... Smiley Very Happy Just kidding... No spree for me...

~ This is Chess... It ain't Checkers!!! ~
Message 3 of 22
Regular Contributor

Re: Disco using VS for SP Prequals I think...


@SilverSmith wrote:

I do believe Discover is using Vantage Score (not Victorias Secret) Smiley Very Happy 

 

I really thought this was about Victoria's Secret before opening the thread Smiley Very Happy Smiley Very Happy


 







Message 4 of 22
Valued Contributor

Re: Disco using VS for SP Prequals I think...


@Jnbmom wrote:

@SilverSmith wrote:

I do believe Discover is using Vantage Score (not Victorias Secret) Smiley Very Happy now for SP Prequals. Def wasnt a FICO score.... Smiley LOL The score that came in the mail made me do a double take. This was from an ill advised App attack many moons ago.. just got the Denial letter. I though someone got a hold of my info its been so long... (30 days) Smiley Very Happy Not to worry I apped for 3 I think that day. I thought I was puttin in work until I saw what some beasts in the forum can accomplish Smiley LOL Got my hand slapped and I put the laptop away. Smiley Embarassed Disco said I needed more meat on my bones....


I get more letters from them than any person should 😂and my score appears to remain FICO, of course this is for CLIs on my card. Not sure if they would use useless VS but who knows, maybe others will have same experience? 


+1 

 

I just looked at my Disco CLI denial letter and it uses FICO TU score in the "decision". I received the dreaded, "INSUFFICIENT EXPERIENCE WITH CURRENT DISCOVER CARD CREDIT LIMIT", excuse. 


















Your FICO credit scores are not just numbers, it’s a skill.

Message 5 of 22
Community Leader
Senior Contributor

Re: Disco using VS for SP Prequals I think...

On some accounts, namely student apps.. Discover was using an enhanced scoring calculation from a third party... that was bought out by one of the big three.. Forget the company but it wasn't a VS score.. That said for most everything else it was TU, and EX....

 

I got a great score by whatever the company they were using but since it wasnt a student card, it was declined/denied...

That was quite a few years back... =)

 

-J

 

Message 6 of 22
Senior Contributor

Re: Disco using VS for SP Prequals I think...


@SilverSmith wrote:

I do believe Discover is using Vantage Score (not Victorias Secret) Smiley Very Happy now for SP Prequals. Def wasnt a FICO score.... Smiley LOL The score that came in the mail made me do a double take. This was from an ill advised App attack many moons ago.. just got the Denial letter. I though someone got a hold of my info its been so long... (30 days) Smiley Very Happy Not to worry I apped for 3 I think that day. I thought I was puttin in work until I saw what some beasts in the forum can accomplish Smiley LOL Got my hand slapped and I put the laptop away. Smiley Embarassed Disco said I needed more meat on my bones....


Both FICO8 and VG3 are about the same for me but Ill keep that o mind. Thanks




3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>08/2019 CCT EX 829 TU 848 EQ 837
Jack Webb: "That figures. Now let me see if I got the facts straight here. Cleaning woman Clara Clifford discovered your clean copper clappers kept in a closet were copped by Claude Cooper the kleptomaniac from Cleveland. Now, is that about it?"
Message 7 of 22
Regular Contributor

Re: Disco using VS for SP Prequals I think...


@joltdude wrote:

On some accounts, namely student apps.. Discover was using an enhanced scoring calculation from a third party... that was bought out by one of the big three.. Forget the company but it wasn't a VS score.. That said for most everything else it was TU, and EX....

 

I got a great score by whatever the company they were using but since it wasnt a student card, it was declined/denied...

That was quite a few years back... =)

 

-J

 


The score in the letter almost had me logging back online to finish what I started 30 days prior Smiley LOL

~ This is Chess... It ain't Checkers!!! ~
Message 8 of 22
Established Contributor

Re: Disco using VS for SP Prequals I think...


@SilverSmith wrote:

I do believe Discover is using Vantage Score (not Victorias Secret) Smiley Very Happy now for SP Prequals. Def wasnt a FICO score.... Smiley LOL The score that came in the mail made me do a double take. This was from an ill advised App attack many moons ago.. just got the Denial letter. I though someone got a hold of my info its been so long... (30 days) Smiley Very Happy Not to worry I apped for 3 I think that day. I thought I was puttin in work until I saw what some beasts in the forum can accomplish Smiley LOL Got my hand slapped and I put the laptop away. Smiley Embarassed Disco said I needed more meat on my bones....


Discover sends out letters if the the prequal has no offers?

 

I just checked my CLI letters and they all say TU FICO and the score and the date matches the TU FICO that is pulled monthly for the scorecard in my account. Even if you ask mutiple times in the month the score is always from that one monthly pull. At least that has been my experience.

I just returned from financial hell. Don't go, the brochure is a lie.
Message 9 of 22
Senior Contributor

Re: Disco using VS for SP Prequals I think...

 

This may help your VS Victoria Secret Disco Mystery? I believe They (Disco) SP TU Mortgage Score 4 for CLI's?  .. This could be why the CLI's are so erratic and sporadic???

 

If In Fact @credit_is_crack 's "Which Banks Pull Which Report For Apps"   ..

I believe he has collected some good DP's on this. It is my Go To!,  ..Maybe He will chime in?, since I gave Him a Call. For pre-qual apps EQ FICO8 and Cold App's EX FICO8.

 

Could be State dependant, as some states will use a different Bureau?   ...Unless I Am Missing something here?

 

https://ficoforums.myfico.com/t5/General-Credit-Topics/The-quot-Which-Banks-Pull-Which-Report-For-Ap...

 

 

 

Message 10 of 22
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