Is the Discover Fico score real? I just opened my statement and my score jumped through the roof. It increased from 703 to 751. Last month my myfico TU score was 712, this month Walmart had me at 720. I didn't do anything to help my CS score. In fact I expected my score to drop. I opened two accounts since my last fico score with discover. They both are reporting on TU. The Hilton Reserve which has a low 3500 CL and the United Explorer which has a 14K CL but I had to take the CL from two other Chase cards. My available credit has only increased by 3500 and I already had over 70K in credit, so it's not that. My util is always between 1-3% , so it's not that. The new accounts lowered my AAoA so that's not it either. I don't have any baddies on my CR so it's not that. The only thing I can think of is that Discover uses a different Fico score.
Does anyone know which TU Fico score Discover Card gives us? Is it commonly used by lenders? Any ideas why my score jumped 50 points in a month?
Hmm so that makes no sense. My Walmart from 2 weeks ago has me at 720. Any idea why my score would jump so drastically?
FICO 08 Bankcard Enhanced is the model. Its based on TU.
Still trying to figure out if discover/walmart FICO scores are worth opening another account for.
Does any company use that FICO variety to make lending decisions?
Starting Score: 675