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I've been tracking my credit via my Discover Card credit tracker feature for the past year. It says it utilizes Fico 8 Score from Transunion. I decided to try Experien (which is also stating it used Fico Score 8) and the scores are very different. I can see Experien, Equifax and Transunion via the Experien website and they are nothing like Discover. How can one say Fair and one say Excellent while stating they both pull from Fico 8?
Discover shows my score changing monthly, but it hasn't been that low in over a year.
Discover shows 750, Experien shows 687 both say Fico 8 from Transunion.
Is my credit improving or is it not!! Frustrating when I have been working hard on it and now it seems like Discover is just inaccurate?
Welcome @amkemp
Does the TU score match on EX's website as Discover? Look at when they were updated. They should if they are in the same reporting period. Discover doesnt do internal FICO score tweaks like some CU's. Each CRA has their own algorithms for FICO 8. None match. If they all were the same. 2 of them would go out of business.
@amkemp wrote:I've been tracking my credit via my Discover Card credit tracker feature for the past year. It says it utilizes Fico 8 Score from Transunion. I decided to try Experien (which is also stating it used Fico Score 8) and the scores are very different. I can see Experien, Equifax and Transunion via the Experien website and they are nothing like Discover. How can one say Fair and one say Excellent while stating they both pull from Fico 8?
Discover shows my score changing monthly, but it hasn't been that low in over a year.
Discover shows 750, Experien shows 687 both say Fico 8 from Transunion.
Is my credit improving or is it not!! Frustrating when I have been working hard on it and now it seems like Discover is just inaccurate?
There are always differences, based on (a) differences in the data in your report at each bureau and (b) slight differences in the algorithms they use. But a 63 point discrepancy should be checked out; there must be something radically different in your Experian and Transunion reports.