Discover FICO vs Real FICO??

[Anonymous]

In my last statement provided by Discover, I receive my FICO score of 692 but this is just my 6th month using the first credit card. I'm having 2 credit card: Capital One Secured CC (5 statements so far) & Discover It (2 statements). I'm wondering if this score is real, I heard that I need minimum of 6 months to have a FICO score!

[09Lexie]

Welcome to the forum.  Discover provides a FICO TU score.   Yes, it's is a real FICO. 

[Anonymous]

Thank you.

[gdale6]

I do believe that the actual model is a FICO 08 Bankcard Enhanced version of your FICO score.

[09Lexie]

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@gdale6 wrote:

I do believe that the actual model is a FICO 08 Bankcard Enhanced version of your FICO score.

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This is correct

[Revelate]

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@09Lexie wrote:

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@gdale6 wrote:

I do believe that the actual model is a FICO 08 Bankcard Enhanced version of your FICO score.

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This is correct

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Discover is the same as Barclay's and Wally AFAIK which is classic FICO '08: same Transunion product being offered. Merrick is the bankcard-enhanced IIRC.  Could be mistaken admittedly my memory is fading.

Think there's one EX '08 bankcard puller, FBNO? 

[gdale6]

Think there's one EX '08 bankcard puller, FBNO?

Yes FNBO provides a monthly 08 bankcard enhanced FICO based off your EX report

[Transmogrifying_Bee]

 I am now becoming more aware of  the different scoring methods TU (and others) use, especially when comparing those obtained from Discover and this site (myFICO).  I've checked my TU credit score several times recently on myFICO (September and a few days ago), and received a FICO score of 750 both times. And yet my recent Discover FICO score was only 718, a difference of 32 points!  I couldn't believe that there could be such a disparity between these two scoring methods (TU98 vs TU08).  (Almost like comparing with FAKO scores?)  And yet another individual in a similar thread today reported a 40 point swing in a like comparison, so I guess it really does happen.  Ouch!

[kkapdolee]

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@09Lexie wrote:

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@gdale6 wrote:

I do believe that the actual model is a FICO 08 Bankcard Enhanced version of your FICO score.

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This is correct

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I don't know the exact model they're using yet but I don't think its Bankcard Enhanced. Their scale shows a range between 300 and 850. AFAIK, Bankcard Enhanced scores range from 250 to 900.

My guess is the score is just TU 08 Classic, the same one that Barclay's and Walmart uses.

[09Lexie]

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@kkapdolee wrote:

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@09Lexie wrote:

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@gdale6 wrote:

I do believe that the actual model is a FICO 08 Bankcard Enhanced version of your FICO score.

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This is correct

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I don't know the exact model they're using yet but I don't think its Bankcard Enhanced. Their scale shows a range between 300 and 850. AFAIK, Bankcard Enhanced scores range from 250 to 900.

My guess is the score is just TU 08 Classic, the same one that Barclay's and Walmart uses.

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I believe you and Rev are correct.  It's the TU 08 Classic