Discover Card Fico Score

[Jazzzy]

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

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Did you get this on the hard-copy snail mail statement, or can we access this online?

[john398]

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@Jazzzy wrote:

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

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Did you get this on the hard-copy snail mail statement, or can we access this online?

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I see mine online

[emptypockets]

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@Anonymous-own-fico wrote:

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

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Sweet!

[negg]

Clearly it's a tu 08.  Myfico has my TU at 706. Discover 724.  How I wish that was my real fico. 

[Revelate]

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@myjourney wrote:

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

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Am sorry but I have to correct this:

Mortgage companies pull TU'04, not TU'08 / TU'98.  The only score which MyFICO sells which is an accurate score for a mortgage is the Equifax one which is Beacon 5.0: identical to a tri-merge.

[devacraze]

I have a 90 point difference between my TU04 and TU08 - scores within 48 hours of each other and no difference in the report data

TU04 (mortgage app) - score is 731 and factors are: Number of established accounts (Code:028) and Amount owed on revolving accounts is too high (Code:011)

TU08 - (discover it) -score is 821 and factor is only: amount owed on revolving accts is too high

Util - 17% (all on one card).

AAoA - 11 years

36 total accts

EQ and EX on the mortgage app were in the 810-820 range

I have no idea why the TU04 score is so low. My TU98 myfico score is also about the same as the TU04, sadly.

[Exonumist]

As far as the OP's question... It's also possible that the new accounts pushed you into a different "bucket". Rebucketing has happened to me several times. When I expected my scores to go down from new accounts they went up! I just had a 15 point jump after adding three new accounts.

[-Wade-]

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@negg wrote:

Clearly it's a tu 08.  Myfico has my TU at 706. Discover 724.  How I wish that was my real fico. 

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That is a real Fico score

[kawaiiguy]

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@drkaje wrote:

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?

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Well the FICO8 is typically for credit card issuers if they choose to use that one as it is targeted at your credit card history.  I have a couple of cards that say they use the FICO and that is also what they use to manage my account, so it just really depends.  Also I have requested CLIs from the same card at different times and they will give me a copy for my score from different bureaus each time, so it really is just a crap-shoot of what they are going to use.  

BUT... Here are the scores I get for free on cards I had/have:

Walmart: Trans. FICO (or 8, who knows)

First National Bank Omaha: Exp. FICO8

Merrick Bank: Trans. FICO8

US Bank: "Exp. Score"

Discover: Trans. FICO (Barclay's is the same score too)

[azguy13]

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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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It's because MJ is a gentile flower