FICO Report

[Red1Blue]

I am sure many people asked this question before. What is the difference between the FICO report we pay $19.95 and get it from FICO and the FICO scores credit card companies provide for no cost ?

[OmarGB9]

Different versions which weigh various aspects of your report differently. Some CCCs offer true FICOs (Discover offers TU FICO 8), but most give other versions which aren't all that useful.

[Red1Blue]

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@OmarGB9 wrote:
Different versions which weigh various aspects of your report differently. Some CCCs offer true FICOs (Discover offers TU FICO 8), but most give other versions which aren't all that useful.

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Thanks. Just now I pulled Free Discover CreditScore Card. It says it is FICO based on Exp. Not sure how different it is from the Report we buy from FICO.

[OmarGB9]

No, the Discover scorecard is different. That one gives you your EX FICO 8 once a month, which I can assure you is no different than the EX FICO 8 you would get here or from EX directly. I know because I have the EX monitoring service and the scores matched exactly. I meant when you have a discover credit card account, on your monthly statement they give you a free TU FICO 8. Discover scorecard is different.