Discover Launches Creditscorecard.com Giving Everybody Access To A Free FICO Score (Ending June 6, 2022)

Update 4/11/22: Discover has announced that this will be discontinued on June 6, 2022. Discover cardholders will be able to continue to view their FICO score on their statement on the Discover app. Website states:

Service Update: After careful consideration, we’ve decided to retire our credit scorecard offering for prospective customers on June 6, 2022. Registrations will not be accepted after March 1, 2022 and services will end on June 6, 2022. Primary cardholders can view their FICO® Score** on their statement, Discover.com or the Discover app.

Discover announced today the launch of their new website and service, creditscorecard.com. The new website gives everybody (not just Discover cardholders or account holders) access to their Experian FICO Score. In addition to the free score, they are also providing a breakdown of how the FICO score is calculated and what factors are helping/hurting an individuals score. Scores will be updated the later of every thirty days or the next time you log into Credit Score Card.

discover credit scorecard

Discover were the first major credit card issuer to offer a free FICO score in November of 2013, a benefit that is still provided today (they made some additional improvements to this in July of 2015). Interestingly this score is based on your TransUnion credit report, rather than Experian which the new website uses. Other card issuers followed suit with FICOs Open Access program and now the majority of card issuers offer free FICO scores as a standard benefit.

This new addition by Discover will mean they are competing with other free credit monitoring websites such as: Credit Karma, Credit Sesame, Quizzle, Credit.com & WisePiggy. All of these sites use FAKO scores, rather than FICO scores. FICO scores are generally considered to be the industry standard, being used in 90% of all lending decisions. FAKO scores are rarely if ever used in these lending decisions, so it will be interesting to see how these other sites can improve their offerings to compete.

These sites also signal how Discover will try to monetize this new site, as they all typically present users with financial products such as credit cards (e.g Discover it or Discover it Miles) or deposit accounts (Cashback checking, savings & CDs). All in all I see this as a good move by Discover and hope they continue to add offerings like this and their Discover it Secured card for people with subprime credit.

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Physicist
Physicist (@guest_1364907)
April 14, 2022 08:29

I’m a bit confused. Is this saying that Creditscorecard is going away on June 6 and is already not accepting new registrants? If so, why is this being described as a new product launch? If not, why is it being described as closed to new applicants and being discontinued on June 6?

Physicist
Physicist (@guest_1366667)
April 16, 2022 09:55

Thanks.

Sam
Sam (@guest_1362251)
April 11, 2022 23:12

So what other site offers Experian FICO?

Ivan X
Ivan X (@guest_1362257)
April 11, 2022 23:18

experian.com, for one. They used to charge, but they no longer do.

wilsonhammer
wilsonhammer (@guest_1362561)
April 12, 2022 10:31

It’s the only one of the big three to offer your report AND score for free. TU offers your report for free with TrueIdentity, but the score you’ll have to get from a bank or CC. Equifax does the same with myEquifax (but they do give you a free Vantage 3.0 though).

https://i.imgur.com/cKua0lv.png

NoFi
NoFi (@guest_1362350)
April 12, 2022 01:44

Wells Fargo, but I can understand the hate for them

Bockrr
Bockrr (@guest_1362429)
April 12, 2022 06:45

Chime will track it, though it may just be linking to Experian account anyway (I already had). SoFi and USBank apps will track TransUnion vantage 3.

tl
tl (@guest_1347376)
March 14, 2022 13:05

This service seems to be going away as of June 6, 2022. Here’s the text from the website:

> Service Update: After careful consideration, we’ve decided to retire our credit scorecard offering for prospective customers on June 6, 2022. Registrations will not be accepted after March 1, 2022 and services will end on June 6, 2022. Primary cardholders can view their FICO® Score** on their statement, Discover.com or the Discover app.

dd
dd (@guest_275382)
July 12, 2016 18:02

I’m afraid that my personal data is being misused in some way.
I DID get a FICO score, but only one time. Thereafter Discover blocked me out by putting me through an endless loop where they ask me to fill out the application because they don’t recognize my email, and then bounce me over to a page that claims my email is already “in use”.
I asked for another password and that doesn’t work either. I get no feedback from them.
I cannot get them to communicate with me at all. (My score is mid-700s). I’m not sure it’s legit. Nothing’s “Free”!

Glenda
Glenda (@guest_279803)
July 30, 2016 19:08
  dd

Having same problem as dd. Tried their fix of “forgot username/password. Didn’t work.

Chris
Chris (@guest_261076)
May 21, 2016 15:35

For monitoring Experian, would you recommend this or credit.com? It seems to me that both have their benefits. This gives you a FICO score, but only keeps track of your inquiries in the past 12 months. Credit.com gives you a FAKO score, but keeps track of your inquiries in the past 6 and 12 as well as total inquiries.

Debito
Debito (@guest_260768)
May 20, 2016 15:04

I think it is helpful to note what info is collected, reused by Discover, and shared beyond to affiliates and non-affiliates.

https://creditscorecard.com/privacyPolicy

The Man
The Man (@guest_260749)
May 20, 2016 13:34

FYI – For those who have their Experian report frozen, you will get an error when signing up.

Justin
Justin (@guest_260692)
May 20, 2016 10:44

Really like the site. Good on Discover

Dukie02
Dukie02 (@guest_260688)
May 20, 2016 10:34

You’re always free to go read another site instead.

boridi
boridi (@guest_260676)
May 20, 2016 09:56

“Discover were the first major credit card issuer”

Does this subject/verb (dis)agreement bug anyone else?

Couches
Couches (@guest_260679)
May 20, 2016 10:12

Is you annoyed? Anybody have success signing up? Mine dies at verification.

Ed
Ed (@guest_261918)
May 24, 2016 11:07

Same here. Tried on multiple browsers and devices.Discover says problem is on their end. Amex gives you Ex FICO once a month anyway.

Marianne Figueroa
Marianne Figueroa (@guest_315353)
November 15, 2016 10:19
  Ed

I just applied today it said the same thing try back later The Palms on there and so I logged in now it’s telling me my email address is incorrect I don’t think so

Marianne Figueroa
Marianne Figueroa (@guest_315354)
November 15, 2016 10:23

Let me make some correction apparently the website that I’m on put in the wrong words. Apply for discovery scorecard I put the information in it came back saying try again later the error is on their side. So I waited login now they’re telling me it’s the wrong email address I don’t think it’s the only one I use. I think they ran this idea to see how many customers they can offer their credit cards to.

IOException
IOException (@guest_260687)
May 20, 2016 10:32

Leave. :/

Simon
Simon (@guest_260690)
May 20, 2016 10:41

I almost missed this.. good catch

Carl
Carl (@guest_260711)
May 20, 2016 11:38

Fill in the sentence: “I spoke with Discover, and _____ told me to relax.”

Longlivethequeen
Longlivethequeen (@guest_260747)
May 20, 2016 13:33

Maybe DoC is British. In British English, collective nouns are plural.

Adam
Adam (@guest_260751)
May 20, 2016 13:45

In UK English this would be correct. (At least I think it would – they certainly refer to, e.g., sports teams like that. “Arsenal are ranked second in the league” and so on.)

Not sure if that explains what it’s doing on DoC though 😛

Dan
Dan (@guest_260764)
May 20, 2016 14:40

No but people who don’t capitalize the first letter of their username bugs me 😉