Credit Score Tracker by Discover

[BluMoon]

Discover provides a credit score and report in conjunction with Experion.  I am well aware that the score is not a FICO score.  I think it's worth it (8.95 per month I believe) because I can get an idea of where my Experion FICO score is heading (up or down) simply by following my Discover Credit Score Tracker.  What do you think?

[MarineVietVet]

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@BluMoon wrote:

Discover provides a credit score and report in conjunction with Experion.  I am well aware that the score is not a FICO score.  I think it's worth it (8.95 per month I believe) because I can get an idea of where my Experion FICO score is heading (up or down) simply by following my Discover Credit Score Tracker.  What do you think?

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If you know it's not an Experian FICO score why wouild you pay good money to track something that is worthless and can't be compared or correlated to a real EX FICO score in any shape or fashion?

A FAKO score going up or down doesn't mean the FICO score will move in the same direction. There is simply no way to predict.

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[Anonymous]

You should check out the PSECU option.  You'll find the thread in the CC boards.  Essentially, you can join a CU in PA by making a $20 donation to their parks department and for $6 ($5 into share, $1 into checking - or $5 into share, and open a credit card), you can get your Experian score for free on your statement once a month into perpetuity.   I wouldn't pay any amount for a monthly FAKO, but I have paid for tri report monitoring that allowed daily pulls and included FAKOs.  That was worth it to monitor activity when I was doing a lot of repair stuff.  

[BluMoon]

PSECU sounds good.  I'll look into it.

[Anonymous]

The Discover report is bull.It is not accurate and not worth the money.The credit score may as well be pulled out of the sky.My score there showed a 725 but when I pulled EQ it was 675.Huge difference IMO.

[BluMoon]

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@Anonymous wrote:

The Discover report is bull.It is not accurate and not worth the money.The credit score may as well be pulled out of the sky.My score there showed a 725 but when I pulled EQ it was 675.Huge difference IMO.

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Could be because Discover uses Experian's score, not Equifax's.  There can be significant differences in CRA's.