Thanks, everyone! My suspicion is that the 805 was not my FICO score.
Thanks to incessant marketing, I had conflated my credit report with my credit score. It wasn't until I got my reports that I realized they weren't the same thing. Similarly, I figured there was just one credit score to rule them all, I didn't know there were different types (though I did know the different agencies had different numbers).
linuxmachine wrote:May not reveal much else but have you checked your transunion report? I think that's the bureau discover pulls from.
According to the letter I got from Discover, they checked with Equifax and Experian, and got the score from Experian. Experian showed an inquiry from Macy's and Discover, and Equifax showed an inquiry from the Credit Union and Discover. Which is amusing, because one of the 'key factors' listed by Discover was 'number of inquiries on credit bureau'. Apparently two is excessive.
As to utilization, I don't have any credit cards aside from the Macy's card*, and I don't have any loans except for student loans, which have long since been paid. The CU didn't give me anything, they just told me the number. They did not explicitly say it was my FICO score. I will stand up for them, though, and say that I doubt they were up to any shenanigans. I have a small CU, and they don't play those games.
*I should say that I am listed as an 'Authorized User' on my parent's credit card. I was added a while ago, and apparently never taken off. I did not know that until now.