FICO to start offering free credit scores
Mar 4, 2014, 2:33 am
#76
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Nope. It's a More card that I've had for at least 20 years, back to the Sears days. The feature was launched with, and is advertised for, the IT card, but it's now being rolled out more broadly.
There is a "NEW! Discover is now providing your FICOŽ Credit Score for free." link on the landing page.
http://creditcardforum.com/blog/disc...ee-fico-score/
Did you login to the website?
There is a "NEW! Discover is now providing your FICOŽ Credit Score for free." link on the landing page.
http://creditcardforum.com/blog/disc...ee-fico-score/
Update: Discover announced on Feb. 6, 2014, that it would be rolling out free credit scores to all its cardmembers. So, in addition to those who have the Discover it card, those who have Discover More, Discover Open Road, Discover Motiva, Miles by Discover and Escape by Discover should see their free credit score in their next monthly statement
Last edited by CPRich; Mar 4, 2014 at 2:49 am
Mar 4, 2014, 7:59 am
#77
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While it may be useful to monitor fluctuations in your own file, I don't find it to be a very accurate indicator of a score that most lenders utilize.
I also have the US Airways card with this feature-both are Transunion scores and thus identical each month.
Mar 4, 2014, 8:35 am
#78
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Mar 4, 2014, 9:27 am
#79
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I'd wait a month - it says they just started rolling it out for the "next statement", so your cycle may not have come up yet. My link was on the main page, not tied to a statement.
If it doesn't show within 30 days, then it may be worth a small charge to see if the data generation is tied to the statement generation.
Or 1-800-347-3162 / Live Chat and ask
Can you clarify? On what data, other than "your own file" would your credit score be based? The complaint with "FAKO" scores is always that they aren't FICO scores. These are FICO scores (not "just Discover data FICO scores, AFAIK) - still not good enough?
If it doesn't show within 30 days, then it may be worth a small charge to see if the data generation is tied to the statement generation.
Or 1-800-347-3162 / Live Chat and ask
Can you clarify? On what data, other than "your own file" would your credit score be based? The complaint with "FAKO" scores is always that they aren't FICO scores. These are FICO scores (not "just Discover data FICO scores, AFAIK) - still not good enough?
Mar 4, 2014, 1:11 pm
#80
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I meant to say that while it may be a good way to monitor fluctuations,personally I am not convinced exactly how accurate these scores really are from Discover(or Barclays). While my scores from my Discover and Barclays cards are identical, my Identity Guard score from Transunion is almost 50 points less.
I would be interested if anyone has any additional clarification as to whether their Discover score matches or is close to any other credit monitoring service others may have.
Mar 5, 2014, 6:11 am
#81
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Sorry- I did a poor job at articulating my thought.
I meant to say that while it may be a good way to monitor fluctuations,personally I am not convinced exactly how accurate these scores really are from Discover(or Barclays). While my scores from my Discover and Barclays cards are identical, my Identity Guard score from Transunion is almost 50 points less.
I would be interested if anyone has any additional clarification as to whether their Discover score matches or is close to any other credit monitoring service others may have.
I meant to say that while it may be a good way to monitor fluctuations,personally I am not convinced exactly how accurate these scores really are from Discover(or Barclays). While my scores from my Discover and Barclays cards are identical, my Identity Guard score from Transunion is almost 50 points less.
I would be interested if anyone has any additional clarification as to whether their Discover score matches or is close to any other credit monitoring service others may have.
Incidentally and not really related...this past month I have joined the perfect 850 FICO 08 score club, presented to me courtesy of the above free FICO score offerings. While a pleasant surprise, it has little value or relevance in the big picture for me, aside from the fact it's off my (low priority) bucket list. ^
Mar 8, 2014, 9:12 am
#82
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Both the Discover and Barclay's scores are non-enhanced FICO 2008 scores from TransUnion. They match the WalMart Credit/Discover Card score, which was one of the first to offer a free FICO 08 score to the public over two years ago. In other words, it's the real deal as far as FICO scores are concerned.
First look here: http://ficoforums.myfico.com/t5/Gene...de/td-p/662549 Scroll down to the section "Places to get your FICO score aside from your lender"
Or look at the table in this post of the 49 flavors of FICO, to find the one your card is giving you: http://ficoforums.myfico.com/t5/Gene...552457#M179124
And then look at the five links at the bottom of that post for interpretation.
Mar 9, 2014, 9:03 am
#83
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The people at myfico have figured all of this out, as well...
First look here: http://ficoforums.myfico.com/t5/Gene...de/td-p/662549 Scroll down to the section "Places to get your FICO score aside from your lender"
First look here: http://ficoforums.myfico.com/t5/Gene...de/td-p/662549 Scroll down to the section "Places to get your FICO score aside from your lender"
04-12-2010 02:15 PM - edited 06-13-2013 11:37 AM
While I presume the information on flavors per bank is still correct, the "places to get your FICO score" doesn't include the banks (such as Barclays, US Bank, Discover) that have started giving free FICO scores to cardmembers in recent months.
Mar 9, 2014, 10:50 am
#84
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Except it's not very up to date:
While I presume the information on flavors per bank is still correct, the "places to get your FICO score" doesn't include the banks (such as Barclays, US Bank, Discover) that have started giving free FICO scores to cardmembers in recent months.
04-12-2010 02:15 PM - edited 06-13-2013 11:37 AM
While I presume the information on flavors per bank is still correct, the "places to get your FICO score" doesn't include the banks (such as Barclays, US Bank, Discover) that have started giving free FICO scores to cardmembers in recent months.
Apr 13, 2014, 1:25 pm
#90
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I thought so too! It turns out they deleted the large button on the homepage. You can access your FICO by clicking the small "Tools" link next to "Account settings" on the homepage.