Discover FICO vs MyFico TU Scores

-Wade- · ‎01-31-2014

The month of Dec. myFico@797 and Discover@ 797 .... How does your 2 Scores Compare????

Thanks Wade

my Discover FICO was 810 in Jan. but I didn't check myFico .

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******

AndySoCal · ‎01-31-2014

Keep in mind they are both FICO scores but not the same model. Sometimes they might agree and other times they wont due to idfferences in the model.

FIC Scores XPN v8 805 V2 831 (SDFCU) TUC V 8 800 07/25 EFX Bankcard v8 822 EFX FIC0 v8 807 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 14,100, State Dept. FCU 06/2023 25,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25 Walmart One 5000 12/04/25
Banking: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank Comerica Bank BMO US Bank Wells Fargo

-Wade- · ‎01-31-2014

@AndySoCal wrote:
Keep in mind they are both FICO scores but not the same model. Sometimes they might agree and other times they wont due to idfferences in the model.

I know they are not the same model! I was just waiting to see how close they were to each other

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******

Transmogrifying_Bee · ‎01-31-2014

@Wade64 wrote:
The month of Dec. myFico@797 and Discover@ 797 .... How does your 2 Scores Compare????
Thanks Wade

my Discover FICO was 810 in Jan. but I didn't check myFico .

myFICO TU Score (9/2013) 750

Discover FICO TU Score (1/2014) 718

(32 point difference!)

FICO Score 8: EQ 823 EX 817 TU 825 **** VantageScore 4.0: 825 **** VantageScore 3.0: EQ 823 EX 826 TU 825
TOTAL CL (6 cards): $141.0K **** INQUIRIES 2 yrs (1 yr): EQ 0(1) EX 0(0) TU 0(0) **** UTILIZ: 1 % **** GOAL: FICO Score 8: 840+
r>

>
Amex BCE 30K || NASA FCU Rewards Visa 30K || Chase Sapphire Visa Signature 21.5K || PayPal Extras MC 20K
CITI Diamond Preferred MC 25.0K || Discover it 14.5K **** CLOSED 7 cards **** GARDENING since 9-26-2014

-Wade- · ‎01-31-2014

@Corgihound wrote:
@Wade64 wrote:
The month of Dec. myFico@797 and Discover@ 797 .... How does your 2 Scores Compare????
Thanks Wade

my Discover FICO was 810 in Jan. but I didn't check myFico .
myFICO TU Score (9/2013) 750
Discover FICO TU Score (1/2014) 718

(32 point difference!)

That's 4 months apart also

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******

VirtualCuriosity · ‎01-31-2014

+14 with Discover, but a month apart. The next Discover statement will reflect a closer pull date

TU713, EQ 731 , EX 726 (As of 12/13/14) - Personal Goal = 760

“Beware of little expenses. A small leak will sink a great ship” – Benjamin Franklin

Gardening since 3-26-15

Transmogrifying_Bee · ‎01-31-2014

@Wade64 wrote:
@Corgihound wrote:
@Wade64 wrote:
The month of Dec. myFico@797 and Discover@ 797 .... How does your 2 Scores Compare????
Thanks Wade

my Discover FICO was 810 in Jan. but I didn't check myFico .
myFICO TU Score (9/2013) 750
Discover FICO TU Score (1/2014) 718

(32 point difference!)
That's 4 months apart also

Yes, there is a 4 month spread in my TU Fico scores comparision. I forgot that I obtained a new TU myFICO score last December (2014), just after I received my Discover FICO score. The myFICO TU score was still 750, same as in September! Sorry for the confusion . . . !

FICO Score 8: EQ 823 EX 817 TU 825 **** VantageScore 4.0: 825 **** VantageScore 3.0: EQ 823 EX 826 TU 825
TOTAL CL (6 cards): $141.0K **** INQUIRIES 2 yrs (1 yr): EQ 0(1) EX 0(0) TU 0(0) **** UTILIZ: 1 % **** GOAL: FICO Score 8: 840+
r>

>
Amex BCE 30K || NASA FCU Rewards Visa 30K || Chase Sapphire Visa Signature 21.5K || PayPal Extras MC 20K
CITI Diamond Preferred MC 25.0K || Discover it 14.5K **** CLOSED 7 cards **** GARDENING since 9-26-2014

-Wade- · ‎01-31-2014

@VirtualCuriosity wrote:
+14 with Discover, but a month apart. The next Discover statement will reflect a closer pull date

Please update wirh new Discover updated score! thanks

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******

-Wade- · ‎01-31-2014

@Corgihound wrote:
@Wade64 wrote:
@Corgihound wrote:
@Wade64 wrote:
The month of Dec. myFico@797 and Discover@ 797 .... How does your 2 Scores Compare????
Thanks Wade

my Discover FICO was 810 in Jan. but I didn't check myFico .
myFICO TU Score (9/2013) 750
Discover FICO TU Score (1/2014) 718

(32 point difference!)
That's 4 months apart also
Yes, there is a 4 month spread in my TU Fico scores comparision. I forgot that I obtained a new TU myFICO score last December (2014), just after I received my Discover FICO score. The myFICO TU score was still 750, same as in September! Sorry for the confusion . . . !

Thanks I was just compairing the 2 models

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******

VirtualCuriosity · ‎02-04-2014

@Wade64 wrote:
@VirtualCuriosity wrote:
+14 with Discover, but a month apart. The next Discover statement will reflect a closer pull date
Please update wirh new Discover updated score! thanks

Discover just came in and is only +1 from the myfico pull 6 days earlier. Slight utilization decrease, so they are the same for me.

TU713, EQ 731 , EX 726 (As of 12/13/14) - Personal Goal = 760

“Beware of little expenses. A small leak will sink a great ship” – Benjamin Franklin

Gardening since 3-26-15