Tried checking my scorecard through Discover after activating my card. Got "unavailable" with a myriad of possible reasons. I've seen other people complain that Disco doesn't give you this service if you don't have posted transactions during statement periods, which is totally understandable. But is this normal for a brand new account? I would think they would be trying to show off for the new customer, especially with their fancy packaging they send the card in.
Do I have to wait until first statement cuts with posted transactions? Or did something get messed up and I _should_ be able to see the scorecard?
Other details:
I was already using their free score service prior to app'ing the card.
They modified my account address between when I App'd and when I got the card, small things like slightly different abbreviation of Blvd
Do I have to wait until first statement cuts with posted transactions? Or did something get messed up and I _should_ be able to see the scorecard?
Other details:
I was already using their free score service prior to app'ing the card.
They modified my account address between when I App'd and when I got the card, small things like slightly different abbreviation of Blvd
I guess since I technically already got a free score this month from their non-member service maybe I can't get a second one?
Guess I'll wait and see, I can be pretty impatient sometimes lol
Guess I'll wait and see, I can be pretty impatient sometimes lol
@Nomad3 wrote:
I guess since I technically already got a free score this month from their non-member service maybe I can't get a second one?
Guess I'll wait and see, I can be pretty impatient sometimes lol
It's a new card. It just takes a while to populate a score (this has been my experience with every creditor I have that offers a FICO)- Disco pulls around the statement cut date. My first score populated a day before my 1st statement cut and it's been the same every month after. I've seen others report that their score updates on or a day or two after the statement cut date. I'm not sure about a score not populating if you have no activity for one month -- i've always had some sort of activity.
@Jannelo wrote:It's a different score. From what I remember, the free score for non-members is Experian. I haven't looked at it in a while, as I've forgotten my password. The score that comes with your credit card is TransUnion. Mine came a day or some before my very first statement cut.
Yes, you're correct. Disco Scorecard available for all is EX FICO 8. Disco Scorecard available only to account holders is TU FICO 8.
@thornback wrote:
@Jannelo wrote:It's a different score. From what I remember, the free score for non-members is Experian. I haven't looked at it in a while, as I've forgotten my password. The score that comes with your credit card is TransUnion. Mine came a day or some before my very first statement cut.
Yes, you're correct. Disco Scorecard available for all is EX FICO 8. Disco Scorecard available only to account holders is TU FICO 8.
So I can keep using the EX8 version and also get the TU8 version from my account? Is there any reason behind them offering the two this way?
@Nomad3 wrote:So I can keep using the EX8 version and also get the TU8 version from my account? Is there any reason behind them offering the two this way?
Yes. You can obtain both scores by logging into each separately. I'm sure there's a business reason for offering both - but that would be unknown to us - we can only speculate - which is, honestly, kinda pointless.
