Discover Card Fico summary confusion

[Thomas_Thumb]

Today I logged into Discover to check my Fico score. The summary page displays current month score and some summary ratings. Below that is a graph with monthly score for the last 12 months. I click to change display to table format. To the right of each month's score is a "see more" navigation link. That link takes you to a monthly summary screen that lists score and includes that month's utilization.

The score displayed on the graphic screen does not match that shown in the summary table. Frustration sets in. After a few minutes I see the graphic screen data month does not match the table month. After further checking I come to find the "see more" navigation is going in reverse chronological order. Wierd - see table below. Note: The UTs I added to the table align with the "see more" scores.

Another interesting thing - My current month revolving debt category rating is Very Good with a reported balance of $2100 and 2% utilization. Why not Exceptional?

Month reported	TU Fico 8 Score (from table)	TU Fico 8 Score (from see more)	Date displayed (from see more)	Ag Utilization (from see more)
Jul '26	838 Exceptional	834 Exceptional	8/17/25	4%
Jun '26	844 Exceptional	837 Exceptional	9/17/25	4%
May '26	837 Exceptional	831 Exceptional	10/17/25	6%
Apr '26	833 Exceptional	833 Exceptional	11/17/25	4%
Mar '26	832 Exceptional	838 Exceptional	12/17/25	2%
Feb '26	838 Exceptional	838 Exceptional	1/17/26	1%
Jan '26	838 Exceptional	838 Exceptional	2/17/26	1%
Dec '25	838 Exceptional	832 Exceptional	3/17/26	9%
Nov '25	837 Exceptional	833 Exceptional	4/17/26	5%
Oct '25	831 Exceptional	837 Exceptional	5/17/26	2%
Sep '25	837 Exceptional	844 Exceptional	6/17/26	2%
Aug '25	834 Exceptional	838 Exceptional	7/17/26	2%

[Zoostation1]

I just checked mine and it says exceptional at $3689 and 4%.  Not sure what's going on with yours.

[Realist]

Is this a Discover account recently acquired, merged, etc, with Captial one?  I neither have access to either my Discover or a Capital One account as of this posting.  Apparently they're going to make me do a little work to access the account.

Wonderful.  More incentive not to use the card.  I only hate losing access to aged accounts.

[BrutalBodyShots]

How are you still logging into Discover? Mine takes me straight into Capital One now.

[Thomas_Thumb]

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@Realist wrote:

Is this a Discover account recently acquired, merged, etc, with Captial one?  I neither have access to either my Discover or a Capital One account as of this posting.  Apparently they're going to make me do a little work to access the account.

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No. I opened the account in 1989. I kept the Discover More card when offered the conversion to an IT card 8-10 years ago.

[Thomas_Thumb]

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@BrutalBodyShots wrote:

How are you still logging into Discover? Mine takes me straight into Capital One now.

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No idea. I just type in Discover Card on Firefox search bar. A list of Discover pages comes up. I click on the top one displaying a Discover icon. It takes me to a Discover page with a log in icon among other things. I click on the icon, user name and password fields showed up like they always have. I entered the info and it took me to my account summary page. From that page I clicked on a link to navigate to Discover's Fico scorecard summary. Page looked the same as I remember.

The only notification I have received about my Discover account is my card is expiring soon. If I want to change the card design time to do so is limited. Unlike many, I have yet to receive any notification from CapOne regarding account assimilation. Of course, I could have missed something.

That reminds me - I need to find that email to look at the drop dead date. Hopefully it has not passed. Not picky on card design but if mine is no longer available, the default might be undesirable.

[Thomas_Thumb]

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@Zoostation1 wrote:

I just checked mine and it says exceptional at $3689 and 4%.  Not sure what's going on with yours.

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@Zoostation1 

Do you see a historical score graph? If so, can you convert to table format? If yes, to the right of each months score is a "see more" link. If you see it, click on the top one. It will take you to a scorecard screen. Does the new screen show a different month for the summary display?

[TrapLine]

Maintain history for my entire Discover More and it cards starting at 2011. Just ran the examples you have illustrated. Find every thing is in synch and no outliers in the reporting.

Will report, I still log on through Discover Financial Services as of July 2026.

[BrutalBodyShots]

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@Thomas_Thumb wrote:

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No idea. I just type in Discover Card on Firefox search bar. A list of Discover pages comes up. I click on the top one displaying a Discover icon. It takes me to a Discover page with a log in icon among other things. I click on the icon, user name and password fields showed up like they always have.

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That's very strange. When I follow those steps indicated above, I see this:

[NoHardLimits]

@BrutalBodyShots  Discover cards are being transitioned to the Capital One website in batches into 2027.  Only the first batch migrated to C1 in recent days.  I, like @Thomas_Thumb , have an ancient Discover card (the original one which was converted to More and then PC'd to it).  My card has not yet transitioned and I have not received any communication from Capital One about when my card would be migrated.

@Thomas_Thumb  I looked at my FICO Credit Scorecard info and found some amusing data.  Unlike you, my table of monthly scores and the "See More" are perfectly in sync.  However, scoring metrics/ratings seem a bit comical.  While 3 of the ingredients show my rating as "Exceptional", the remaining 2 show as "Very good" and "Good".  For inquiries, it shows as a "Good" rating with ZERO inquiries in the last 12 months.  For Revolving Utilization, it shows as a "Very good" rating with $1202 in balances at 1% utilization.  I suspect that the Inquiry section is misnamed and is really tied to new credit seeking behavior as I have 2 new accounts this year despite having zero inquiries on TU.

One additional observation:  My link to the FICO scoring page used to show up near the top of the main page.  Now, I have to navigate to the Activity tab and click on the bottom of the pop-up list.