@corymcd88 wrote:My FICO with Discover went down for three mounts from 770 to 723. Is Discover using a different FICO version? Now my Walmart and Barclay's score went from 770 to 765 on both for the same time line. When I applied with Avant for a loan they said my score was 723 also. I want to get a Barclay's card but don't know what score I should believe. Has anyone else had this happen to?
They should be all TU 08 last time i checked thats quite odd i should check my discover walmart and barclays score to see if they differ at all . Also just make sure you check when the fico score was reported , your score can fluctuate a bit depending on when you get your score.
My Discover always matches the FICO 08 TU I get here on myFICO, so I'd be inclined to believe the Discover provided FICO. I don't have the others to compare to.
This of course raises the question what could make the score go down that much?
Increased utilization?
Did you have any kind of old collection or late that had a Dispute letter covering it up?
Any AU accounts that may be going bad?
@corymcd88 wrote:
@NRB525 wrote:My Discover always matches the FICO 08 TU I get here on myFICO, so I'd be inclined to believe the Discover provided FICO. I don't have the others to compare to.
This of course raises the question what could make the score go down that much?
Increased utilization?
Did you have any kind of old collection or late that had a Dispute letter covering it up?
Any AU accounts that may be going bad?
I checked and did not see anything that would have caused it. My Ulit is 6%.
Hmmmmm.
Something is causing the change. Might not be obvious, might not be an "alerting event" but there's something there.
To reiterate, no baddies ever in your past at all, ever ever?
No AU accounts?
@corymcd88 wrote:
@NRB525 wrote:
@corymcd88 wrote:
@NRB525 wrote:My Discover always matches the FICO 08 TU I get here on myFICO, so I'd be inclined to believe the Discover provided FICO. I don't have the others to compare to.
This of course raises the question what could make the score go down that much?
Increased utilization?
Did you have any kind of old collection or late that had a Dispute letter covering it up?
Any AU accounts that may be going bad?
I checked and did not see anything that would have caused it. My Ulit is 6%.
Hmmmmm.
Something is causing the change. Might not be obvious, might not be an "alerting event" but there's something there.
To reiterate, no baddies ever in your past at all, ever ever?
No AU accounts?
Old CO and old Coll and at the 6.9 year mark I even called TU. Some AU account but they are fine.
Look closer. These may have reappeared or been refreshed by the collector.
@Anonymous wrote:My last Discover shows 745. Actual TU score at the time - using a fresh pull here - was 816, which is also what was showing on CCT. The difference is that when Discover pulled, TU dished up a cached report that still included the tax lien that disappeared at the end of February. I've been dealing with this issue for several months. I even pulled my report directly from TU recently, and it's clean.
Discover showed 745 in March, or shows 745 now? Discover still has the cached TU report? Seems like it would be updated somehow between then and now.