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Credit Scorecard Information: Credit Scorecard is provided by Discover Bank, and includes a FICO® Credit Score and other credit information. Credit Scorecard information is based on data from Experian and may differ from credit scores and credit information provided by other credit bureaus. This information is provided to you at no cost and with your consent. You must be 18 years old and a U.S. resident or a resident of America Samoa, Guam, Northern Mariana Islands, Puerto Rico or the Virgin Islands. Your Credit Scorecard will be refershed the later of every 30 days or the next time you log in to Credit Scorecard. Discover and other lenders may use different inputs, such as a FICO® Credit Score, other credit scores and more information in credit decisions. This product may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporaiton in the United Sates and other countries.
Very interesting and a good thing on Discover's part.. if this has already been posted please let me or any other mod know so that it can be merged where it needs to be.. if it's not a duplicate, then everyone please enjoy a free Experian FICO.
Seem like a really smart move from Discover. They can have direct access to the users they want to have using their cards...lol!!
Nice
Thanks
I tried to apply myself, and it said they had a problem. Could it be due to my CRA's frozen? I thought freezing your credit wouldn't prevent you from siging up for credit monitoring? Are they HP'ing everyone for this service lol.....
Amazing stuff from Discover. Now if they would do the same for equifax
Credit reports should be free.
@Anonymous wrote:I tried to apply myself, and it said they had a problem. Could it be due to my CRA's frozen? I thought freezing your credit wouldn't prevent you from siging up for credit monitoring? Are they HP'ing everyone for this service lol.....
FWIW, back when I had my files frozen I couldn't get on Credit Karma, either. Possibly this is the same?
(sorry I don't have more useful info to add)
@UncleB wrote:
@Anonymous wrote:I tried to apply myself, and it said they had a problem. Could it be due to my CRA's frozen? I thought freezing your credit wouldn't prevent you from siging up for credit monitoring? Are they HP'ing everyone for this service lol.....
FWIW, back when I had my files frozen I couldn't get on Credit Karma, either. Possibly this is the same?
(sorry I don't have more useful info to add)
You could easily THAW long enough to get it and then you can refreeze again after if you like.
Finally!! A genuine FICO 8 Experian AND TransUnion. Thanks DISCOVER!
I just gave it a try... it works like a charm!
Now I won't have to be held 'hostage' to Amex updating the score on their site.
Thanks, Kenny!
Thanks for the heads up on this Kenny.
Works great; just pulled the exact same score today from Discover that I pulled from CCT yesterday so it's definitely accurate.
A little interesting how they sort of break down the criteria where it shows my payment history as very good and "0 accounts late" but that's just sort of surface fluff, as if you click on it you find that the previous statement was only referring to your last year (I have some lates scattered about that are over a year old). Then when I click on the score it references lates/serious delinquency as a reason why my score isn't better than it is.
I'm not big into the "fluff" that is provided by any credit sites; I'm more just about the score and the information on accounts when you pull them up. All of the other charts, graphs, recommendations, etc... the "fluff" as I put it, is sort of meaningless anyway.