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Discover Credit Scores...

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 which one is right?

Message 1 of 9
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
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 10k & CSP 10k & Freedom 6.6k & Amtrak/Freedom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 32.5k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 12.5k, Paypal Extras MC 8.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 9k, Discover IT 16k and a nice stack of store cards.
Last APP/HP 5/15/2017 Marcus Loan. 30k
Message 3 of 9

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
Regular Contributor

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
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
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 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Message 7 of 9

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.

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 741, EX 2 776, EQ 8 809, TU 8 774, EX 8 822 (1/1/18)
Goal Score:    EQ 5 771, TU 4 750, EX 2 776, EQ 8 809, TU 8 774, EX 8 822 (01/01/19)

Take the myFICO Fitness Challenge
Message 8 of 9
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 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