Re: My FICO and my Experian....

Divina · ‎06-24-2014

I am confused. I have a Subscription at freecreditreport.com and I check my credit montly. Once or Twice a Year they give ME acces to all 3. Now, My discover card gives me the fico score. Experian is 715 and FICO is 691. Karma shows my Transunion being 693. are these scores decent?

If there are no cats and dogs In heaven I wanna go where they are.

Anonymous · ‎06-24-2014

Not sure what you're asking.

The scores you mention are roughly average.

For example, I read somewhere that the median FICO score is around 710-720.

CreditBob · ‎06-24-2014

I did some checking with Discovercard. The fico score on your Discover statement is specifically only for your Discover credit card account. It is not for all your trade lines. What you can do to see the next statement is pay the balance down if you have one. If not, then the account needs to age more. I hope this helps you out. But no matter what you do, make sure that you only use the score from myfico.

Involver · ‎06-24-2014

@CreditBob wrote:
I did some checking with Discovercard. The fico score on your Discover statement is specifically only for your Discover credit card account. It is not for all your trade lines. What you can do to see the next statement is pay the balance down if you have one. If not, then the account needs to age more. I hope this helps you out. But no matter what you do, make sure that you only use the score from myfico.

The FICO that Discover provides is a legitimate TU08. It takes into account your entire CR. Whichever CSR told you otherwise is woefully misinformed.

EW800 · ‎06-24-2014

@CreditBob wrote:
I did some checking with Discovercard. The fico score on your Discover statement is specifically only for your Discover credit card account. It is not for all your trade lines. What you can do to see the next statement is pay the balance down if you have one. If not, then the account needs to age more. I hope this helps you out. But no matter what you do, make sure that you only use the score from myfico.

Above information is not accurate.

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Sept 2024: EX8: 847; EQ8: 850; TU8: 848 -- Middle Mortgage Score: 821
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .

xXIDaShizIXx · ‎06-26-2014

@Anonymous wrote:
Not sure what you're asking.

The scores you mention are roughly average.

For example, I read somewhere that the median FICO score is around 710-720.

Its 725.

Bank of America Cash Rewards: $70k; Chase Sapphire Preferred: $35k; Capital One Quicksilver: $21.2k; Citi AAdvantage: $23.5k; Care Credit: $20k; Chase Freedom: $12.5k; Chase Freedom Unlimited: $12.5k; Citi Simplicity: $15.9k; Wayfair: $22K; Barclaycard Rewards: $10k; Car Care One: $10k; AMEX BCE: $15k; Discover IT Miles: $10k; Citi DC: $9.2k; Marvel: $10k; Ashley Furniture: $6k; PayPal Credit: $10k; US Bank Cash +: $5k;

mitchblue · ‎06-27-2014

A few months ago mine was 723 and it said it was better than 49.3% of the people or thereabouts so 725 seems to be the middle ground.

FICO® 8 Scores 821 FICO® 9 Equifax 826 (Updated 02-7-23)

My FICO and my Experian....

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My FICO and my Experian....