Free Credit Scorecard

All about Discover & Diners Club - talk about their credit card deals such as the More, Miles, Escape, and others.
15 posts
TXviking
Centurion Member
Centurion Member
 
Posts: 284
Joined: Fri Apr 15, 2016 5:46 pm
Location: Palm Beach, Florida

Free Credit Scorecard

Postby TXviking » Wed May 25, 2016 1:45 pm

I came across https://www.discover.com/free-credit-score/ today. Is this any different from the free credit score Discover offers to cardmembers, or is it basically the same thing? My existing Discover Card/Discover Bank credentials don't work, and I see no reason to sign up for it unless it gets me something more than my TU FICO score.


User avatar
CarefulBuilder14
Centurion Member
Centurion Member
 
Posts: 3963
Joined: Thu May 08, 2014 7:42 pm
Location: United States

Re: Free Credit Scorecard

Postby CarefulBuilder14 » Wed May 25, 2016 1:59 pm

TXviking wrote:I came across https://www.discover.com/free-credit-score/ today. Is this any different from the free credit score Discover offers to cardmembers, or is it basically the same thing? My existing Discover Card/Discover Bank credentials don't work, and I see no reason to sign up for it unless it gets me something more than my TU FICO score.

I think it's an Experian score.

I'll check it out...although I hope they will offer it on the same login to existing cardholders.
Keeping indefinitely: IHG, SchwabPlat, CSP, Discover, Freedom, ED, BCE, Hyatt
May close or PC: Prestige, Arrival, BrooksBros
AA Platinum converting into Costco

Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech
Letting new accounts cool off since May

User avatar
PhillyPhoto
Centurion Member
Centurion Member
 
Posts: 138
Joined: Wed May 13, 2015 3:32 pm
Location: New England

Re: Free Credit Scorecard

Postby PhillyPhoto » Wed May 25, 2016 2:55 pm

I just signed up after seeing your link, and it does require separate registration from your credit card login. It does give you your score, but also is similar to Credit Karma in that it gives a break down of why your score is the way it is. So, up top you have:

FICO® Score
Total Accounts
Length of Credit
Inquiries
Revolving Utilization
Missed Payments

Where it fails in comparison to CK, is that it doesn't give the credit report itself so you can look over it to make sure it's accurate. You can print out a 1-page report, but again, it's just what you see on the website. It does give you your FICO score (not sure which version) instead of CK's VantageScore 3.0. You do get the Experian report, and with CK's TransUnion and Equifax, it's a good way to to make sure you have similar numbers across reports, but there will invariably be slight discrepancies (inquiries, etc).

Hopefully they open it up a little in the future to let you view the report, and this would be a great reference to have in addition to Credit Karma.
Main Cards:
Amex: Surpass
Chase: Hyatt

Sock drawer Cards:
Amex: HHonors, MB Plat
Chase: Amazon.com Rewards, Freedom
Citi: Macy's Amex, Simplicity, ThankYou
Citizens Bank: Cash Back Plus World
Discover: it
Elan: Bank Rewards
Synchrony: PayPal Extras

755 Eq (12/16)|748 TU (12/16)|726 Ex (1/17)

User avatar
CarefulBuilder14
Centurion Member
Centurion Member
 
Posts: 3963
Joined: Thu May 08, 2014 7:42 pm
Location: United States

Re: Free Credit Scorecard

Postby CarefulBuilder14 » Wed May 25, 2016 3:11 pm

It looks like it just shows open accounts?

Either that, or Prestige is showing on TU but not EX.
Keeping indefinitely: IHG, SchwabPlat, CSP, Discover, Freedom, ED, BCE, Hyatt
May close or PC: Prestige, Arrival, BrooksBros
AA Platinum converting into Costco

Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech
Letting new accounts cool off since May

MemberSince99
Centurion Member
Centurion Member
 
Posts: 4913
Joined: Sun May 20, 2012 4:35 pm
Location: WI

Re: Free Credit Scorecard

Postby MemberSince99 » Sat May 28, 2016 4:32 pm

My best guess on this, is it's a marketing tool (like Credit Karma). Non customers can enter their info and Discover gets an inside look at their potential value.

User avatar
CreditCardGuru
 
Posts: 160
Joined: Tue Apr 01, 2008 1:48 am
Location: Austin, TX

Re: Free Credit Scorecard

Postby CreditCardGuru » Sat May 28, 2016 10:30 pm

Here is some additional info on the topic: blog/discover-free-fico-score-credit-scorecard/

\

takeshi
Centurion Member
Centurion Member
 
Posts: 1733
Joined: Wed Jun 05, 2013 3:12 pm
Location: US

Re: Free Credit Scorecard

Postby takeshi » Tue May 31, 2016 9:04 am

TXviking wrote:I came across https://www.discover.com/free-credit-score/ today. Is this any different from the free credit score Discover offers to cardmembers, or is it basically the same thing? My existing Discover Card/Discover Bank credentials don't work, and I see no reason to sign up for it unless it gets me something more than my TU FICO score.

Same model (FICO 8), different CRA (Experian).

Keep in mind that FICO 8 isn't the only model used by creditors. You don't have just one TU score. The TU FICO 8 you get from Discover is only relevant to creditors/products that use a TU FICO 8.

JonE
Centurion Member
Centurion Member
 
Posts: 336
Joined: Sat Jan 24, 2015 9:55 am
Location: Denver

Re: Free Credit Scorecard

Postby JonE » Thu Jun 02, 2016 9:11 am

This pretty much eliminates the need of getting any other card strictly for the EX score. Probably will look at a card that provides an EQ score (Citi?) since paying $30 a month for MF is highway robbery.
Wallet: Chase Freedom, Discover IT
Chopping Block: Synchrony
Future: TBD

4ktvs
Centurion Member
Centurion Member
 
Posts: 152
Joined: Thu Nov 05, 2015 8:00 pm

Re: Free Credit Scorecard

Postby 4ktvs » Wed Jun 15, 2016 12:04 pm

I might sign up for it at some point, just sucks that you can't just use your credit card log in.

darkguy2
Centurion Member
Centurion Member
 
Posts: 616
Joined: Thu Jan 24, 2013 12:24 am
Location: United States

Re: Free Credit Scorecard

Postby darkguy2 » Thu Jul 14, 2016 12:15 pm

Got an error when I tried to sign up. Could be my credit freeze preventing it, but it has never stopped CK.
Discover IT - $5,700
Chase Freedom - $5,700
Costco Citi - $13,000
Sallie Mae - $4,000
Chase Sapphire Preferred - $6,000
Chase Sapphire Reserve - $19,500
Citi Double Cash - $6,500
Amex BCE - $13,000

FICOs: Discover (777), SallieMae (764), Amex (767), Citi (772)
FAKOs: CK- TU (760), EQ (760)



Return to “Discover, Diners Club”

Who is online

Users browsing this forum: No registered users and 2 guests