Discover is funky when it comes to what they use for CLIs. I had not heard of them using VS but it could be a recent change.
They do use a FICO score, buts it’s not usually the F8 or F9 we’re accustomed to seeing (which they provide on their website). They use the FICO 4 model which is just a much older version, for CLIs at least.
From my experience low activity members have similar F4 and F8 scores, but F4 is more punishing when it comes to recent inquiries and new accounts. My F4 is usually significantly lower than my F8/F9 because I’m no stranger to app sprees lol **Im working on that**
There could a change a foot, but historically they pull F4 on CLIs.
@CreditCuriosity, @AverageJoesCredit, @UncleB, do you all have any additional insight (or more recent recent)?
They do use a FICO score, buts it’s not usually the F8 or F9 we’re accustomed to seeing (which they provide on their website). They use the FICO 4 model which is just a much older version, for CLIs at least.
From my experience low activity members have similar F4 and F8 scores, but F4 is more punishing when it comes to recent inquiries and new accounts. My F4 is usually significantly lower than my F8/F9 because I’m no stranger to app sprees lol **Im working on that**
There could a change a foot, but historically they pull F4 on CLIs.
@CreditCuriosity, @AverageJoesCredit, @UncleB, do you all have any additional insight (or more recent recent)?
If Remmy has 300 i have 3 million
. I just shred them so not sure though reality is , in how Miss Disco decides cli, she does seem to like using VS
Makes her feel powerful and sexy
. I just shred them so not sure though reality is , in how Miss Disco decides cli, she does seem to like using VS Makes her feel powerful and sexy
It sounds like they’ve had a shift and we can update our matrix to reflect this change. It could also be demographically driven - we’ll never know, but we can confidently say based on the replies that F4 is no longer the exclusive go-to for Disco CLIs. All of mine always pulled F4 but it’s been at least 10-12 months since I closed it out.
@Remedios Do you wish for me to offer a sacrifice to the gods at the Temple of Discover in your name? Took awhile but it finally started to pay off for @AverageJoesCredit when they finally granted his requests....
-J
@Anonymous wrote:
@credit_is_crack wrote:
Discover is funky when it comes to what they use for CLIs. I had not heard of them using VS but it could be a recent change.
They do use a FICO score, buts it’s not usually the F8 or F9 we’re accustomed to seeing (which they provide on their website). They use the FICO 4 model which is just a much older version, for CLIs at least.
From my experience low activity members have similar F4 and F8 scores, but F4 is more punishing when it comes to recent inquiries and new accounts. My F4 is usually significantly lower than my F8/F9 because I’m no stranger to app sprees lol **Im working on that**
There could a change a foot, but historically they pull F4 on CLIs.
@CreditCuriosity, @AverageJoesCredit, @UncleB, do you all have any additional insight (or more recent recent)?All of my Discover CLI have always used TU FICO 8. I have about 6 letters this year and they all match my TU FICO 8. None are even close to my FICO 4. My card started as a secured card last year so I don’t know if that makes a difference.
My first CLI letter from Discover actually/came close to my TU Fico 4 for me. After that letter, it started spitting out Fico 8 scores.
