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            Credit Scorecard with your FICO® Score

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            Why do FICO® Scores matter?

            90% of top lenders use FICO® Credit Scores, including us. That’s why Discover provides a FICO® Score, as opposed to another type of credit score. Regularly seeing your score can help you prepare for the future, stay on top of your credit or avoid surprises.

            How is my FICO® Score calculated?

            Your Score is calculated using positive and negative information on your TransUnion® credit report. It summarizes your risk to lenders at a specific point in time. FICO® Scores consider the following 5 categories of information. The breakdown below illustrates the significance of these categories for the general population. Note, however, that your individual score may give some factors more or less importance based on the information in your credit report.
            • Payment history: 35%
            • Amount you owe: 30%
            • Length of credit history: 15%
            • New credit opened: 10%
            • Types of credit you have: 10%

            Why did my score change?

            The FICO® Score we provide you is based on the information in your TransUnion® credit report at a snapshot in time. As the information in your credit report changes, your score may also change. According to FICO, 89% of the population experiences no score change or changes to their score by up to 20 points month to month.

            Why is my FICO® Credit Score different than other credit scores I've seen?

            The score Discover provides may be different than other scores you’ve seen for several reasons:

            1. Discover provides your FICO® Score 8. Lenders use several different kinds of FICO® Scores, depending on the type of loan they provide.
            2. Discover provides your score from data on your TransUnion® credit report. Scores may vary when using data from your Experian or Equifax credit report.
            3. The score Discover provides is a snapshot of your info at a moment in time and will often vary from month to month. Be sure to note of your ‘as of’ date when you view your score.
            4. Discover provides a FICO® Score because 90% of top lenders use FICO® Scores in their decisions. Credit scores that are not FICO® Scores may show other results.

            What if I don't agree with my score or key factors?

            Your FICO® Credit Score is based on a snapshot of the current information in your TransUnion® credit report. Your score can fluctuate month to month, but if you believe there is an error, you can:

            Will checking this hurt my credit?

            No. Discover provides you a FICO® Score for free without affecting your credit.

            Will my FICO® Credit Score ever be unavailable?

            You may not see your FICO® Score if:
            • You have mismatched or missing information, like an address change that hasn’t been updated with either Discover or TransUnion®.
            • Your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked or charged off.
            • You have a foreign address.
            • Your credit history is too new.
            • You have opted out.
            • You’ve had no account activity for 180 days, in which case the score will also be unavailable online or on our mobile app.

            How can I affect my score?

            Good financial habits like consistently paying bills on time, keeping balances low and only opening new credit cards when necessary can all have a positive effect on your financial health, and in turn, your FICO® Score. Review your Credit Scorecard to see how you’re doing. And keep in mind, poor financial habits like paying late can harm your score.

            Do joint account holders receive FICO® Scores from Discover?

            Joint account holders and authorized buyers do not receive FICO® Scores from Discover.



            FICO® Credit Score Terms:

            Your FICO® Credit Score, key factors and other credit information are based on data from TransUnion® and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. See about the availability of your score. Your score, key factors and other credit information are available on and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO® Credit Scores, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries.

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