Finally hit the 700 club!

SomeGuyOnTheWeb · ‎03-20-2014

So with that out of the way, I checked my Fico score on Discover and it pulled a 713. I believe it's TU. Is it accurate enough to trust? I don't want to pull the FICO score off this site if it's accurate (or one of the more accurate TU scores).

EQ - 727
TU - 752
EX - 774

user5387 · ‎03-20-2014

The Discover score is TU 08.

This is not nearly the only score used by lenders, but it's a good one to track.

antdave93 · ‎03-20-2014

Congratulations

SomeGuyOnTheWeb · ‎03-20-2014

So is the Discover score more "accurate" than the one provided by this site? I know that might be an odd question to ask.

EQ - 727
TU - 752
EX - 774

antdave93 · ‎03-20-2014

That score is 1of 49 fico scores out there

At least that is what we are all told.

But they are ALL true scores

gdale6 · ‎03-20-2014

@SomeGuyOnTheWeb wrote:
So with that out of the way, I checked my Fico score on Discover and it pulled a 713. I believe it's TU. Is it accurate enough to trust? I don't want to pull the FICO score off this site if it's accurate (or one of the more accurate TU scores).

Grats to your success

Transmogrifying_Bee · ‎03-20-2014

Yes, there are many "true" FICO scores, and yes, it's frustrating not to always know what exact scoring model someone is using.

I checked my TransUnion FICO scores on this (myFICO) site THREE times since last Fall (9/13, 12/13 and 3/14), and each time my FICO Score (TU98) has been 750.

I thought a score of 750 wasn't too bad, but then had somewhat of a shock to see my corresponding TransUnion FICO score over on the Discover site, when they started giving out free FICO scores last Fall. Each month since December 2013 my Discover FICO Score (TU08) has been only 718! A consistent difference of 32 points comparing myFICO (TU98) score of 750 vs. Discover (TU08) score of 718. Frustrating, yes, but at least I now know that such a difference truly exists . . . !!!

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

alvon123 · ‎03-21-2014

congrats

Navy Cash Rewards Visa Signature 30,000 @ 11.65%

Comenity Caesars Rewards Visa $20,000 @22.99%

USBANK Kroger Rewards World Elite Mastercard $19,000 @23.99%

credit_challenged09 · ‎03-23-2014

Congrats! keep up the good work!!!

FICO Scores: (EX-735-11/12) EQ-757-12/03 (TU-750-11/12)
Discover FICO: 756 - 12/17 Walmart FICO: 750-1/06
USAA FAKO: EX-742 EQ-761 TU-761

Macys $7.2k - NFCU $24k - Discover $6.8k - Cap One $3500 - Nordstrom $3.5k - Wells Fargo $1k - Walmart $4.5k- The Limited $2.5k- Victoria's Secret $2.2k- Bloomingdales $2k- JCP $700

yudeology101 · ‎03-23-2014

WTG Congrats on your journey to the 700 club!! Woo hoo~

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO ↑ 11) EX:686 (FICO ↔ N/C) TU:686 (FICO ↑ N/C) *8-5-14*

Overall UTIL: 14% *Gardening Since: 1/20/16*
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Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)