Discover FICO score

corymcd88 · ‎10-23-2015

Has any one gotten lately a different FICO score that is different from other places? ie. Walmart, Barclays? I have just gotten my new score from myFICO it said my TU FICO is: 773 but Discover is saying it is down from 770 to 717. Has anyone else had this happen to?

Anonymous · ‎10-23-2015

@corymcd88 wrote:
Has any one gotten lately a different FICO score that is different from other places? ie. Walmart, Barclays? I have just gotten my new score from myFICO it said my TU FICO is: 773 but Discover is saying it is down from 770 to 717. Has anyone else had this happen to?

More than likely the Disciver one is a more updated score and MF is reporting the score before it dropped. Anything happen to your credit, like new inquiries, accounts, higher balances, etc, that would cause a drop?

barthooper · ‎10-23-2015

I just got Discover after applying on 10-1 and it matches my most recent Barclays of 782, which was also updated at the beginning of the month. They are both TU 08 and I can see how they would diverge based on reported utilatization. For example, If Barclays reports your FICO before your latest payment on another card has been registered, Discover's version will most likely be higher because of your lowered util percent.

Anonymous · ‎10-23-2015

I'm not sure about Walmart, but Barclays should match Discover exactly provided that they were pulled on the same day. Check the date for each score; that's probably why there's a discrepancy.

Also, which FICO score from myFICO are you looking at? Discover is FICO 8, so make sure you're comparing the same score there as well.

takeshi74 · ‎10-23-2015

@corymcd88 wrote:
Has any one gotten lately a different FICO score that is different from other places? ie. Walmart, Barclays? I have just gotten my new score from myFICO it said my TU FICO is: 773 but Discover is saying it is down from 770 to 717. Has anyone else had this happen to?

It can happen to anyone. Reports and scores aren't static. Even if the scoring model is the same the number generated can differ if the report data has changed in the span of time between the generation of the two scores. I always say that you have to consider the specific scoring model and CRA but the date the score was generated (i.e. the report data itself) also matters.

corymcd88 · ‎10-23-2015

@Anonymous wrote:
@corymcd88 wrote:
Has any one gotten lately a different FICO score that is different from other places? ie. Walmart, Barclays? I have just gotten my new score from myFICO it said my TU FICO is: 773 but Discover is saying it is down from 770 to 717. Has anyone else had this happen to?
More than likely the Disciver one is a more updated score and MF is reporting the score before it dropped. Anything happen to your credit, like new inquiries, accounts, higher balances, etc, that would cause a drop?

A high balance on an AU account.

DantGwyrdd · ‎10-23-2015

I don't know if this is system-wide or if it varies by person, but for me Walmart generates the score on/around the 8th whereas Discover does it on/around the 14th, i.e., about a week apart so there's definitely a window for differences to pop up (although, for me they really don't since all my things that report a balance do it either before the 8th or after the 14th).

Anonymous · ‎10-23-2015

It varies by person.

Anonymous · ‎10-23-2015

@Anonymous wrote:
It varies by person.

^^^This; I think it's tied to your statement cycle...mine is always generated about a week before my statement cuts.

mitchblue · ‎10-24-2015

Everytime I check my scores through Discover and Barclay's, they match. For me, Barclay updays my score early in the month 9th or so while Discover is about a week later.

FICO® 8 Scores 821 FICO® 9 Equifax 826 (Updated 02-7-23)