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Discover Credit Scores...

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AshCas
Regular Contributor

Discover Credit Scores...

I got my Discover It card in the mail today (yay!).  What kind of confused me is that on the letter they sent me, they said my Equifax FICO was 728 - on the same day that myfico said it was 752.  I know there's only one true fico score...so which one is right?

Message 1 of 9
8 REPLIES 8
injustifiiable
Valued Contributor

Re: Discover Credit Scores...

I remember reading something about Discover's score being "bankcard enhanced"..whatever that means.

Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 2 of 9
jamesdwi
Valued Contributor

Re: Discover Credit Scores...

as mentioned elsewhere today, there are 49 versions of FICO scores so both scores are right, its just a matter of which one the creditor is using

Cards: Chase Southwest 20k & CSR 17k & CSP 10k & FNBO 30k Oregon Duck 5k, & AMEX BCP 32.5k & Amex Magnet 15k&amg; Hilton Surpass 7.5k & Delta Gold 12k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 20k, Paypal Extras MC 10k, Paypal Credit 7.25k CapOne Venture 15k, QS 2.5k, QS 750, Amazon 10k, Walmart 10k, Citi Simplicity 18k, Discover IT 23k and a nice stack of store cards.
Landmarkcu Personal Loan 10k
Message 3 of 9
akabigo
Contributor

Re: Discover Credit Scores...

When I applied for mine, MyFico said 806, Discover said 800. Close enough I guess

 

 

Fico scores 800+
Message 4 of 9
Anonymous
Not applicable

Re: Discover Credit Scores...

My girlfriend just got her $1,200 discover it card and it showed her fico score was only 651.

Message 5 of 9
racer-x
Valued Contributor

Re: Discover Credit Scores...

Got my IT card a week or so ago, and the Discover score was the same as myFico EQ 744 on the same day.

Message 6 of 9
Duncanrr
Valued Contributor

Re: Discover Credit Scores...

My Discover EQ FICO was 699. Myfico EQ at the time was like 680.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750

Take the FICO Fitness Challenge
Message 7 of 9
Revelate
Moderator Emeritus

Re: Discover Credit Scores...

Without their stating so, we're pretty confident that Discover isn't using the EQ version found here, namely EQ Beacon 5.0 / EQ FICO '04 base or classic.

 

It's possible they're using:

  • FICO '04 Bankcard-enhanced
  • FICO '08
  • FICO '08 Bankcard-enhanced (my personal bet)

The other options aren't particularly likely; however, sadly without a lot more anecodtal data or unless there becomes a legal mandate to disclose the exact score that was used, we're sort of making SWAG's.




        
Message 8 of 9
financekid
Established Member

Re: Discover Credit Scores...

No FICO score yet credit too young, just moved here from UK  with 2 months secured cards reporting approved for Discover Motiva 12/12.Approval  letter had my Creditkarma score 713Woman Surprised just PCed  it to IT getting it first week in February.

Starting Score: FAKOS EQ 627 TU 687 EX 627 CK 713 (12/12)
Current Scores: FICOs EQ 698 TU 708 (7/13)
Goal Scores : 720+ across the board..........no apps till Jan 2014

In wallet:CAP1 (Closed)/BOA CASH (5k)/DISCOVER (5.5k)/CHASE FREEDOM (3k)/BARCLAYS (3.3k)/AMEX BCE(1k)
Future wallet: Citi,
Message 9 of 9
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