Discover FICO score

[mongstradamus]

When does discover post your fico score I thought it was when statement cuts? I just logged on to my discover account and it posted on the 4/4. My statement cuts on 4/10. I want to see if i can split up my walmart and discover fico scores up. maybe one at beginning of the month and one sometime in the middle. Is that possible?

[Involver]

Mine always posts on the 3rd of the month and my statement cuts on the 9th.

[takeshi74]

Looks like my last one was posted on my due date (3/14).

[Gunnar419]

Mine always post about a week before statement cut.

[diebadcredit6504]

 My statment cuts on the 11th but my updated FICO score is avaliable as of 4/6/2014. Weird.

[mongstradamus]

---

@diebadcredit6504 wrote:

 My statment cuts on the 11th but my updated FICO score is avaliable as of 4/6/2014. Weird.

---

yeah it sounds like it posts before statement cuts, I thought for sure before it was when your statement cuts. Its kind of annoying because my walmart and discover give me fico scores the same week wish i could change the date for my fico scores so they are split up throughout the month, but doesn't look like its possible.

[avggoal700]

Dont have the card but seems best time would be like 5 days after your statement date, to give discover time to send info to credit bureau and CR to update.  Maybe I'm looking at this wrong.

[mongstradamus]

---

@avggoal700 wrote:

Dont have the card but seems best time would be like 5 days after your statement date, to give discover time to send info to credit bureau and CR to update.  Maybe I'm looking at this wrong.

---

I am going to give them an call and see if they can change the date of when the produce fico score for me. See if they can do it 3rd week of the month or something. 

[Anonymous]

---

@mongstradamus wrote:

---

@diebadcredit6504 wrote:

 My statment cuts on the 11th but my updated FICO score is avaliable as of 4/6/2014. Weird.

---

yeah it sounds like it posts before statement cuts, I thought for sure before it was when your statement cuts. Its kind of annoying because my walmart and discover give me fico scores the same week wish i could change the date for my fico scores so they are split up throughout the month, but doesn't look like its possible.

---

Presumably it's an issue of Discover making batch requests to TU on a daily basis, and getting the results back in time to include with your monthly statement.

For example, if your statement date is the 15th of the month, then the request needs to be made earlier, like the 8th of the month, to give time for the reports to be pulled and the scores calculated.

This means that the score is calculated before the statement date, and won't necessarily reflect what is on the report on the statement date.

If you want to get your score at a different time of month, then I'd look into changing your Discover statement date to some other time of the month.

[Gunnar419]

---

@mongstradamus wrote:

---

@diebadcredit6504 wrote:

 My statment cuts on the 11th but my updated FICO score is avaliable as of 4/6/2014. Weird.

---

yeah it sounds like it posts before statement cuts, I thought for sure before it was when your statement cuts. Its kind of annoying because my walmart and discover give me fico scores the same week wish i could change the date for my fico scores so they are split up throughout the month, but doesn't look like its possible.

---

Can't you change the due date on Discover? That wouldalso move the date the FICO score is pulled, wouldn't it?