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Discrepancy between Discover Fico score and Fico Equifax monitoring

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cd2004
Regular Contributor

Re: Discrepancy between Discover Fico score and Fico Equifax monitoring

Well i think some places use cc enhanced or auto enhanced scores which is why its different here. I recently got a discover card in May and i wondered why my EQ fico score said 683 on the letter and my score on myfico was 667 at the time, so today i got the alert about the upgrade and my score for 08 is indeed 683. Also last year when i did preapproval for mortgage my EQ score was the same as here
Current 3B scores May 2022: EQ: 806 TU: 798 EX: 797
Message 61 of 62
Revelate
Moderator Emeritus

Re: Discrepancy between Discover Fico score and Fico Equifax monitoring


@cd2004 wrote:
Well i think some places use cc enhanced or auto enhanced scores which is why its different here. I recently got a discover card in May and i wondered why my EQ fico score said 683 on the letter and my score on myfico was 667 at the time, so today i got the alert about the upgrade and my score for 08 is indeed 683. Also last year when i did preapproval for mortgage my EQ score was the same as here

Interesting, that is about as close to anecdotal confirmation as we're going to get that Discover may be using a straight FICO '08 pull rather than a Bankcard enhanced or older model.  Thank you for sharing the datapoint, likely need a few other reports admittedly.




        
Message 62 of 62
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