Myfico fico and Discover's Fico not the same.....why?

[cabronsaim]

So, If I thought I had one thing understood was that myfico provided the real Fico scores. Well, apparently that is wrong. On 4/5 and 4/7 I paid for myFico's Fico scores and reports on both TU and EQ, they reported me 678 and 665 respectively. Then yesterday, I apply for discover, and they decline me, they pulled both TU and EQ and they said my "Fico" score is 647? WTH? I feel robbed....

[SwiftTone]

myFICO's scores are not wrong.

There are many versions of FICO, not just from which bureau is from

I know TU has atleast few verions, including TU098, TU 04 and TU08

[Anonymous]

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@cabronsaim wrote:
So, If I thought I had one thing understood was that myfico provided the real Fico scores. Well, apparently that is wrong. On 4/5 and 4/7 I paid for myFico's Fico scores and reports on both TU and EQ, they reported me 678 and 665 respectively. Then yesterday, I apply for discover, and they decline me, they pulled both TU and EQ and they said my "Fico" score is 647? WTH? I feel robbed....

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Here's the deal...

There are many many versions of Fico scores circulating through different companies. The CS provided here is a EQ classic Beacon. Remember there are CC enhanced aswell as auto enhanced scores and also mortgage enhanced Fico scores that are all relavant to this discussion. You are right the scores are different and can differ alot! I bought my score here a couple of days prior to apping for a discover card aswell. My purchased score was a 650 my score provided by Discover was a  686. You can do a search on this website to gain broader knowledge regarding the difference between the various types of Fico Credit scores there are.  

[Anonymous]

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@cabronsaim wrote:
So, If I thought I had one thing understood was that myfico provided the real Fico scores. Well, apparently that is wrong. On 4/5 and 4/7 I paid for myFico's Fico scores and reports on both TU and EQ, they reported me 678 and 665 respectively. Then yesterday, I apply for discover, and they decline me, they pulled both TU and EQ and they said my "Fico" score is 647? WTH? I feel robbed....

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Typically CCC won't base their decision solely on your credit score. They will give you reasons as to why you were denied... What were the denial reasons?

[cabronsaim]

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@Anonymous wrote:

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@cabronsaim wrote:
So, If I thought I had one thing understood was that myfico provided the real Fico scores. Well, apparently that is wrong. On 4/5 and 4/7 I paid for myFico's Fico scores and reports on both TU and EQ, they reported me 678 and 665 respectively. Then yesterday, I apply for discover, and they decline me, they pulled both TU and EQ and they said my "Fico" score is 647? WTH? I feel robbed....

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Typically CCC won't base their decision solely on your credit score. They will give you reasons as to why you were denied... What were the denial reasons?

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I have a CO, and that's fine, I'm not upset I got the boot, but I was upset about the low score reported. Btw creditkarme trans risk has me at 725.

[Anonymous]

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@cabronsaim wrote:

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@Anonymous wrote:

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@cabronsaim wrote:
So, If I thought I had one thing understood was that myfico provided the real Fico scores. Well, apparently that is wrong. On 4/5 and 4/7 I paid for myFico's Fico scores and reports on both TU and EQ, they reported me 678 and 665 respectively. Then yesterday, I apply for discover, and they decline me, they pulled both TU and EQ and they said my "Fico" score is 647? WTH? I feel robbed....

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Typically CCC won't base their decision solely on your credit score. They will give you reasons as to why you were denied... What were the denial reasons?

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I have a CO, and that's fine, I'm not upset I got the boot, but I was upset about the low score reported. Btw creditkarme trans risk has me at 725.

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Be wary of CK I closed 1 CC with a limit of $300 and my score went from 697 to 628. The Fico scores here are used by many lenders, just not Discover specifically the scores used at CK are used by noone .

[gallifrey]

Transrisk has nothing to do with real ficos. Just ignore it or use it as a trend indicator. Creditk is good for seeing when TU has updated your reports

[Anonymous]

They said WHICH one was 647?