Discover FICO vs TU FICO

[EW800]

Hello Everyone!  

I know there are a good number of scoring models, however I was hoping to get some opinions on some score differences that I am seeing.  

For two statements in a row now, my Discover FICO score (showing on their statement) is 703.  If I am not mistaken, they pull that number from TU.  My TU score through MyFIco has been holding at 680.  Would I be corrt in assuming that they could both still be accurate TU numbers, but using different scoring models?  If so, any idea which number most lenders would likely see - the 703 or the 680?

Thanks so much!  

[pizzadude]

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@EW800 wrote:

Hello Everyone!  

I know there are a good number of scoring models, however I was hoping to get some opinions on some score differences that I am seeing.  

For two statements in a row now, my Discover FICO score (showing on their statement) is 703.  If I am not mistaken, they pull that number from TU.  My TU score through MyFIco has been holding at 680.  Would I be corrt in assuming that they could both still be accurate TU numbers, but using different scoring models?  If so, any idea which number most lenders would likely see - the 703 or the 680?

Thanks so much!  

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Yes they are both FICO scores, but different score models.   The myFICO score is the older FICO98 model, whereas the Discover score is FICO08, possibly bankcard enhanced version.

[Anonymous]

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@EW800 wrote:

Hello Everyone!  

I know there are a good number of scoring models, however I was hoping to get some opinions on some score differences that I am seeing.  

For two statements in a row now, my Discover FICO score (showing on their statement) is 703.  If I am not mistaken, they pull that number from TU.  My TU score through MyFIco has been holding at 680.  Would I be corrt in assuming that they could both still be accurate TU numbers, but using different scoring models?  If so, any idea which number most lenders would likely see - the 703 or the 680?

Thanks so much!  

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Different scoring models.

I'd prefer the later one (TU 08 from Discover) over the TU 98 one.

[Anonymous]

Mortgage lenders use TU04. They will be different score from your discover and myfico.com

[EW800]

Thanks!  

Does anyone know of a service that provides us with a TU04 score or is that one pretty much out of our hands?  

Does anone know if the TU04 score that a lot of mortgage comanies use is typically closest to the score of FICO98 or FICO08?

I won't be applying for a mortgage for at least a couple of years, but good to know.  

Thanks again!  

[Anonymous]

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@EW800 wrote:

Thanks!  

Does anyone know of a service that provides us with a TU04 score or is that one pretty much out of our hands?  

Does anone know if the TU04 score that a lot of mortgage comanies use is typically closest to the score of FICO98 or FICO08?

I won't be applying for a mortgage for at least a couple of years, but good to know.  

Thanks again!  

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You can get your EQ 04 score direct from Equifax.

I don't know of any source for TU 04.

I don't know if TU 04 is closer to TU 98 or TU 08.  I expect the answer varies widely, given different weights applied to various factors..

If you have TU 08 available, I'd use that for tracking, and when you get closer to a mortgage, you can start picking up the EQ 04.

It's always a good idea to be educated enough about scoring that there are no surprise developments awaiting you.

[EW800]

Thank you!  Great information!  

[EW800]

> If you have TU 08 available, I'd use that for tracking,

By the way. I beleive I do have access to TU 08 through Discover.  That is what they use, isn't it?  At the moment, they are showing I have a 703, whereas the scores I pull from MyFico are a bit lower, as you can see in my sig line.   Thanks again!

[Anonymous]

If it's a matter of relying on TU 08 (Discover) instead of TU 98, I'd certainly do so.

[pizzadude]

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@Anonymous wrote:

If it's a matter of relying on TU 08 (Discover) instead of TU 98, I'd certainly do so.

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I believe the Discover score might be the bankcard enhanced FICO score...something to keep in mind.