Discover IT arrived. Fico question

[icloud2525]

So my Discover IT arrived today, does anyone know which fico version they use?  Shows they pulled equifax with a range from 300-850.  They had me at 768 compared with a 702 here.  Goes without saying I like Discovers model better.

[thom02099]

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@icloud2525 wrote:

So my Discover IT arrived today, does anyone know which fico version they use?  Shows they pulled equifax with a range from 300-850.  They had me at 768 compared with a 702 here.  Goes without saying I like Discovers model better.

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My guess is, and it's only a guess based on my own EQ experience, you got the Beacon 9.0 EQ vs the Beacon 5.0 version here.  My EQ scores were also different, the 9.0 version being higher. 

[LS2982]

I believe they use CC enhanced version of FICO.

[NonSufficientFunds]

I have heard that the scores that FICO sells to you, are not the same ones they sell to the lenders...

So whether it is the lender or the consumer, somebody is getting scammed.

[LS2982]

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@NonSufficientFunds wrote:

I have heard that the scores that FICO sells to you, are not the same ones they sell to the lenders...

So whether it is the lender or the consumer, somebody is getting scammed.

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It all depends on what the lender requests, not what FICO wants to give to them.

[youngandcreditwrthy]

My Discover FICO was exactly what it was here...
Could be the info you have here hasn't been updated..
Or the scores were pulled at diff times.
You have to realize your credit reports have the potential to change on a daily basis

[NonSufficientFunds]

Sometimes a new credit card will cause a temporary drop - due to the AAoA being recalculated with the opening of a new account.

[youngandcreditwrthy]

Yup.. The inqs tooo! Damn those inqs! Lolz