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Congrats on the approval and the great score!!
Is that TU08 FICO and not EQ FICO since EQ maxes at 816?
EQ FICO maxes @ 850.
Anecdotaly, there was an extensive analysis of real FICO scores at the Board That Shall Not Be Named in the pinned topic section. I'll try to paste some of the results here. Credit due to those who created it. So if the OP's score is a Beacon 5 EQ score, which is the score we get here at Myfico, then they just blew the 818 limit out of the water.
FICO 98
Transunion FICO Risk Score, Classic 98: score ranges from 336 to 843
FICO 04
Equifax Beacon 5.0 Facta: scores range from 334 to 818.
Experian Fair Isaac V2: scores range from 320 to 844.
Trans Union FICO Risk score Classic 04: scores range from 309 to 839.
Auto Enhanced Equifax Beacon 5.0 has a score range from a low of 250 to a high of 843.
Auto Enhanced Experian Scores range from a low of 250 to a high of 877.
Auto Enhanced TransUnion Scores range from a low of 253 to a high of 893.
FICO 08
Equifax Beacon 09: score ranges from ___ to 850
Experian Experian/FICO Risk Model v08: score ranges from 316 to 850
Transunion FICO 8 Risk Score (AKA Walmart Fico): score ranges from 341 to 850
Summary:
FICO 98
TU = 336-843
FICO 04
Eq = 334-818
Ex = 320-844
TU = 309-839
AE Eq = 250-843
AE Ex = 250-877
AE TU = 253-893
FICO 08
Eq = ?-850
Ex = 316-850
Tu = 341-850
Looks like Discover It provides Beacon 09 (Fico 08) scores! Nice. The DCU scores we get do max out at 818 (not 816).
Congratulations!
Scorewatch myFICO was listing 788 when I applied.
Congratulations! How did you get your score? Was it by request? I ask only because I did not see a score on my letter when they sent my card.
Wowzers Shogun that is awesome!!!
@Shogun wrote:Scorewatch myFICO was listing 788 when I applied.
That's a good data point to know. It seems like Discover is using FICO 08. I've heard this before, but it's hard to tell as so few lenders have made the switch from 04 to 08. The TU08 score is also used by Walmart. It would be nice if SOME DAY the antique TU98 score we can get here at Myfico could at least be updated to 04, if not 08.