I find it strange that Discover Scorecard provides your TU score but if I apply for a card they will pull EQ. How am I suppose to trust them when I get an offer to apply when I log into my scorecard account?
***Gardening 3/29/2018 until 9/25/2018***
- FICO Score (Good) - TU 08 score is correct. (Although since that was pulled, I crossed back into Very Good since my Amazon and Lowe's pulls this month were back in the 740s.)
- Total Accounts (Exceptional): Wrong. By the number of installment and revolving accounts it is giving, I determined that AU credit card accounts are excluded and joint auto and mortgage loans are excluded from this count.
- Length of Credit (Very Good) - Wrong. It is not calculating authorized user accounts, and since the last of my cards that I opened in the 90s have fallen off of my reports I'm only getting 16 years.
- Inquiries (Poor) - Wrong. It says 5 in last 12 months. I have 10 and they are not borderline to being in the 12 month range (Sep-Sep) since they run November to June. However, I do have inquiries from 5 lenders in the past 12 months, so my guess is that it appears to be discarding HPs from the same lender - can anyone else verify that this is what it breaks down to for them?
- Revolving Utilization (Very Good) - This might be correct, but I think it's ignoring AU accounts. I'll have to make note in a few days of what those two utilization numbers (solo or with the AU accounts) are in a few days when they are scheduled to pull my score so I can answer this. The numbers are going to be within 0% to 2% of each other, so not sure if I can tell them apart.
- Missed Payments (Exceptional) - 0 is always the correct answer here.
So this appears to be like Credit Karma, where the scores are correct (VS3 usefulness arguments aside) but the data that their system is displaying may not be complete.
