Discover FICO Score

[dfitzg]

How accurate is the free version of my FICO score that they include with monthly statements ?

[gdale6]

Its a true basic Fico 08 score and is accuate for that model of Fico,

[dfitzg]

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@gdale6 wrote:

Its a true basic Fico 08 score and is accuate for that model of Fico,

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I was hoping that it was !! thanks for the reply

[Thomas_Thumb]

BTW - The Discover card Fico 08 classic score (300 - 850) is based on data from your TransUnion credit report.

Note: Some other credit cards, such as Citi, report a Fico 08 Bankcard score (250 - 900) based on Equifax credit report data.

[jawbrkr]

The FICO I have from discover hasnt budged in 5 weeks. The one I got from myFICO has actually changed. What gives? 

[Anonymous]

Discover updates their FICO score monthly. I've found that it does NOT necessarily correspond to payment due date or statement date. So it's probably just a timing issue. It will update eventually.

[jamie123]

Look underneath the score. It has the date that the score was generated. They only pull a score once a month so if your score changes during that month, the Discover score isn't updated. The score is only accurate the moment that it is pulled.

[jawbrkr]

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@jamie123 wrote:

Look underneath the score. It has the date that the score was generated. They only pull a score once a month so if your score changes during that month, the Discover score isn't updated. The score is only accurate the moment that it is pulled.

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The note from the Discover site states *As of 08/18/15*. I am assuming the next update should have been on 09/18/15 then? Unless the date they pull changes. Is it always on the same date for you all? It has not updated in over a month as it is now 09/21/15 and I know my score has changed per myFICO.

[Thomas_Thumb]

Credit card Fico score updates are not precisely on 30 or 31 day intervals. For example, my AT&T Universal Citi updates were 6/23, 7/28 and 8/25.

I get monthly scores fro Discover as well. The date your score was pulled is listed on your statement. You can go online and check latest and past statements for dates score was pulled - It is not the same date as your statement cuts (monthly pdf files for the last 2 years are avaliable).

[CreditDunce]

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@jawbrkr wrote:

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@jamie123 wrote:

Look underneath the score. It has the date that the score was generated. They only pull a score once a month so if your score changes during that month, the Discover score isn't updated. The score is only accurate the moment that it is pulled.

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The note from the Discover site states *As of 08/18/15*. I am assuming the next update should have been on 09/18/15 then? Unless the date they pull changes. Is it always on the same date for you all? It has not updated in over a month as it is now 09/21/15 and I know my score has changed per myFICO.

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Yes, Discover will probably pull again on 9/18 (it could be 9/17 or 9/19, but most of the time it is fairly consistent for me).  Once Discover pulls your credit score, it will take several days before you will see the updated score.  Look later tonight or over the next day or two for the update.  It will certainly be available when you get your next statement.  The score is included on your statement each month.