FICO Credit Score Help

TrueGeminiNC · ‎04-15-2013

Recently, I applied for and was approved for the Discover IT card and I am now a little perplexed.

I currently subscribe to the myFICO ScoreWatch product. My Equifax FICO score per myFICO ScoreWatch is 630.

However, I received my Discover It card today and included is a summary page that suggests that my Equifax FICO credit score is 667.

Can someone please explain the disparity between the 2 scores? Notably, I have read several posts which suggest that there are lots of differing scoring models. However, the summary page from Discoer suggests that the score of 667 is my FICO credit score derived from Equifax. If this was a different scoring model, I wouldn't expect for a company like Discover to claim that it is a FICO score when indeed it is not for legality reasons.

Help!

AndySoCal · ‎04-15-2013

Did the letter tell you what the score range was? This will help ID which socre they pulled. Some FICO scores are industry enhanced which have a different score range

FIC Scores XPN v8 808 V2 831 (SDFCU) TUC V 8 803 07/25 EFX Bankcard v8 822 EFX FIC0 v8 800 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 11,100 State Dept. FCU 06/2023 25,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Langley FCU Signature Cash Back Visa 10000 Commonwealth Credit Union 15000 07/25
Banking: Langley FCU Credit Unions: Lafayette FCU Fortera FCU State Department FCU Pelican State CU Redstone FCU Hughes FCU Commonwealth FCU
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank Comerica Bank BMO

TrueGeminiNC · ‎04-15-2013

Thanks for the response. It suggests that "scores range from a low of 300 to a high of 850.