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Re: Discover FICO Score - When does it update?
Disco is a strange breed indeed. I received an email telling me my Jan score had been updated so I went to the mobile app, no dice. Tried online since I thought that may be a little more current, no luck there either.













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Re: Discover FICO Score - When does it update?
|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macys $24.2K || NFCU CLOC $15K || NFCU Platinum $15K || CitiCostco $12.7K || Chase FU $12.7K || Apple Card $7K || BOA CashRewards $6K
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Re: Discover FICO Score - When does it update?
@CerebralZulu wrote:Disco is a strange breed indeed. I received an email telling me my Jan score had been updated so I went to the mobile app, no dice. Tried online since I thought that may be a little more current, no luck there either.
I received the same email. I checked twice incase I was missing something.
I usually don't watch my score there to closely so I don't see when it posts. Last month's statement was avaialble yesterday so maybe the new score will be up tomorrow.
Capital One Venture - $13000 / TD Cash Card - $7500 / Capital One Savor - $7500 / Apple Card - $6500 / TD Double Up - $5500 / Mercury - $5000 / Capital One QuickSiver - $5000 / Ally Master Card - $4300 / DCU Visa - $3000
$57,300
DCU Auto Loan
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Re: Discover FICO Score - When does it update?
Mine on Discover updates about every 2 months. I've gotten CLI's without it updating though so I think may use us something else besides just the scorecard number
First Goal Score: 750+ Reached 3/2019
Next Goal all over 800

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Re: Discover FICO Score - When does it update?
I always confuse those emails saying that there's a score update... I never know if it's for my Discover account or Discover's creditscorecard (free service to all).

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Re: Discover FICO Score - When does it update?
@masscredit wrote:The plan has been to let my new score update (746 - 792) incase that helps with a better increase.
Your best bet here would be to request both before and after. I personally don't think it would matter either way, but arguments could be made for both. Some may side with your possible perception that a greater score could mean a greater increase, but the opposing argument is that a 792 score is less of the "target customer" profile that Discover "likes" best, where 746 is closer to their supposed ~680-720 bread and butter; For this reason one could argue that you'd get less of an increase with the greater score. Again, I don't think it matters, but to be "safe" I'd just do the request before the update and then again after it if you get nothing from the first try.
I say it doesn't matter IMO because I've seen the same CLIs from a score of 730 when I was approved to 850 where I'm at now. There's been no change at all in my frequency or amounts of CLIs over that span of time.

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Re: Discover FICO Score - When does it update?
They pull my credit on the 4th
They update my score on the 9-11th, my due date is the 5th and my statement date is the 10th. Maybe a coincidence? just my luck.
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Re: Discover FICO Score - When does it update?
I found that my Discover score updated this morning. That's 3 days after the statement closed. Score date is 1/12/19. So it was time to roll the CLI increase dice. And what did I get? Snake eyes!!!
At this time, we cannot increase your credit line. However, you can make another request at a future time. You will receive a letter in 3-5 business days that will detail the reasons for this decision.
$300.00... yes... I'm $300.00 away from $10,000. It's like I climbed a mountain for a year (the card is a year old tomorrow), almost to the summit, it's within my grasp, I jump to reach for it then... fall short. I collapse in exhaustion.
And now I try to determine why. DCU approved me for a $28K auto loan and $5K credit card last week. Maybe that's it. I made a few purchases recently so my Discover balance is $2600/$9700 (26%). Could one of them be the reason? Who knows. Total utilization is at 11%. That's okay. It looks like others have been declined for increases for no reason. I'll try again in the future.
Capital One Venture - $13000 / TD Cash Card - $7500 / Capital One Savor - $7500 / Apple Card - $6500 / TD Double Up - $5500 / Mercury - $5000 / Capital One QuickSiver - $5000 / Ally Master Card - $4300 / DCU Visa - $3000
$57,300
DCU Auto Loan
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