Anyone Experience Discover Fico Score isn't updated monthly???

[Anonymous]

Over the last several months I noticed that every month Discover has reported the same Fico score, never increases or decreases.  I am monitored by Walmart and it reflects a much higher score. They both provide TU scores.  

Recently I have requested CLI's with my beloved Synchrony accounts and when you ask for the 25K and get 15K, they send a letter with your TU score at the time of the SP.  The score matches with Walmart.  Last month, I paid 3K in debt, 2 inquiries dropped off and utilization decreased one percent and no change with TU Discover.  EQuifax and Experian increased!  I'm just not finding Discover to  be reliable with the TU score, the date updates each month, but the score hasn't changed in months and I know that to be incorrect.  Just wondering if anyone else has experienced this?

[Anonymous]

Are you using the card?

[Anonymous]

Being that the score dates are different from Walmart to discover that could be all it is. I haven't had any discover issues, so either come that time of the month, your fico8 is just very consistently in the same spot, or there's an error and you're the first affected

[Anonymous]

not at all. my score hasn't changed with discover but it hasn't changed on myFico either. the score should update at statement cut so maybe your score at statement keeps going back? like your score goes back and forth throughout the month? idk but mine updates monthly like clockwork.

[Anonymous]

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@Anonymous wrote:
Are you using the card?

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Absolutely I use the card and I average 400.00 per month payment.  I leave a small balance at times and other times I pay it off.  It has had usage every month since I got the card a year ago.

[Anonymous]

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@Anonymous wrote:
not at all. my score hasn't changed with discover but it hasn't changed on myFico either. the score should update at statement cut so maybe your score at statement keeps going back? like your score goes back and forth throughout the month? idk but mine updates monthly like clockwork.

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See my score has changed over the last few months,  Discover rpts on the 28th of each month and Walmart reports on the 10th.  So Discover reports on the 28th  of February 708 and Walmart reports March 10th 724.  Now  the only changes to my  report are substantial monthly payment, no new Accts or inquiries, etc, the March 28th score for Discover should update to reflect Walmart score or near it.  Synchrony letter as of March 30th TU FICO score is 724 matches Walmart mid month.  Good old Discover is still at 708.  Interesting point my FICO score was 708 Oct 15.  It maybe isolated issue, but it's not reliable for me.

[Kenny]

My score updates every month with Discover and correlates with the Wal-Mart score exactly. Not sure what's going on with your Discover free score.

[Anonymous]

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@Kenny wrote:
My score updates every month with Discover and correlates with the Wal-Mart score exactly. Not sure what's going on with your Discover free score.

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Thanks for info.  I thought it should correlate and it isn't and it hasn't for awhile.  And when Synchrony letter with score correlated with Walmart, I knew I had a problem.  Thanks again!

[Anonymous]

My Discover account only updates on the 7th of every month. I called and they said that's when the CRA send them updates.

[Anonymous]

yeah if a score from synchrony two days after discover is consistent with the one 20 days prior from walmart then something is up. good news is you still have a solid source.