No TU Fico Score from Discover

[Anonymous]

I was recently accepted for a Discover It card and upon logging in to my account, it said "We don't have a FICO® Credit Score for you." However, last month, prior to getting the Discover It, I recieved a free Fico score from Discover without being a Discover customer (it was from Experian). I also have a VantageScore from TU. Why is Discover unable to provide a TU Fico score?

[Anonymous]

It's possible that you have an account on EX that is > 6 months old, but do not have an account that old on TU.  One of the requirements for a FICO score is an account that is at least 6 months old.

Pull your three credit reports and take a look.

[Anonymous]

If I recall when I opened my discover acct it took a couple billing cycles for it to show up. From my understanding it is pretty normal...not sure why. Wait a mo or two a it should start giving monthly scores. I received my updated scores a couple days before the statement.

[Anonymous]

It's very common for provided FICO scores from any number of creditors to take several months to appear for the first time.  With Amex, it took about 5 months before I saw my EX FICO 08.  I'm in my 3rd month with Citi now and have not received a FICO score from them yet.  CS told me it takes about 90 days when I inquired the other day.  I don't remember specifically how long it took with Discover, but I also believe it was around 90 days.

[Anonymous]

Good points by BBS.  That is likely the explanation.  But be sure you have reviewed your reports too, as I suggested.

[Anonymous]

Thanks for all the info and advice!

[Anonymous]

I was pretty fortunate as far as Discover goes because I got my first TU FICO from them just days after I activated my card in late March. Also got my Experian FICO quickly after I signed up with their free "Score Card" service. On the other hand, it took a bit more than a month after I signed up with Lenny Credit before I could get my EQ FICO 8 score and I had to wait until early April, over a month after I opened my used car loan, before Penfed posted my EQ NextGen 2 on my account page.

Interestingly, I'm now able to get my TU FICO 8 scores three times a month free, as Discover, Synchrony-Amazon and Synchrony-Walmart all provide them at different times of the month based on when I opened my accounts with them.