Discover Card Fico Score

[myjourney]

MyFico has a different scoring TU model 

Discover,Barclay,Walmart all use the same TU model TU08 which is a newer model

Thus you may see different scores but both models are true Fico's

Most mortgage companies use the MyFico model

[unc0mm0n1]

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@Uppingmyscore wrote:

@unc0mm0n1 do you know when the Walmart score was pulled ...that could be the difference depending on your utilization.  

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My util has never been above 5% and it's normally below 3%. I'm talking about a discover fico t a discover fico

It's a one month difference, yet my score went up by nearly 50 points. The only difference is I added a Citi CC account. Util still about 3% as usual. Just doesn't make any sense. But myjourney said in a different thread that sometime credit cards start you off with the wrong card opening date, that seems like a reasonable explanation. unfortunately she said the boost only lasts for a month . 

[Uppingmyscore]

I see :-)

[myjourney]

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@unc0mm0n1 wrote:

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@Uppingmyscore wrote:

@unc0mm0n1 do you know when the Walmart score was pulled ...that could be the difference depending on your utilization.  

---

My util has never been above 5% and it's normally below 3%. I'm talking about a discover fico t a discover fico

It's a one month difference, yet my score went up by nearly 50 points. The only difference is I added a Citi CC account. Util still about 3% as usual. Just doesn't make any sense. But myjourney said in a different thread that sometime credit cards start you off with the wrong card opening date, that seems like a reasonable explanation. unfortunately she said the boost only lasts for a month . 

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MJ is a He Lol

And I've only seen Barclay do the year thing Lol

So maybe your at the point in your credit where everything looks good and you were rewarded ...It does happen 

Hit the magic AAOA 

Perfect number of TL's 

Right number of INQ's 

Perfect history to date 

Perfect UTL

Bottom line enjoy the scoring bump somewhere along the lines you deserve it.

[unc0mm0n1]

I don't know why I thought you were a woman this entire time. Sorry, but thanks for the kind words. I'll let you know if my CS keeps the 50 point jump! 

[myjourney]

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@unc0mm0n1 wrote:

I don't know why I thought you were a woman this entire time. Sorry, but thanks for the kind words. I'll let you know if my CS keeps the 50 point jump! 

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Hopefully you keep it 

Look out high 700's here you come 

Wooo Hooo

[BungalowMo]

Just got my TU FICO on my Discover IT statement. I guess this is also an '08 score?

[Stiga9]

Is this only for the Discover IT cards? How about other Discover cards?

[vanillabean]

I don't know what's going on here, lol.

[myjourney]

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@Anonymous-own-fico wrote:

I don't know what's going on here, lol.

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Gardening pays of big time I would say 

Congrats