Posted by William Charles on May 20, 2016
Credit Monitoring Sites

Published on May 20th, 2016 | by William Charles

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Discover Launches Creditscorecard.com Giving Everybody Access To A Free FICO Score

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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MilesPoints15
MilesPoints15

It there a soft hit on my credit for enrolling ?

Lrdx
Lrdx

How else would they fetch your score and report?

boridi
boridi

“Discover were the first major credit card issuer”

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

Couches
Couches

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

Ed
Ed

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

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

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

Leave. :/

Simon
Simon

I almost missed this.. good catch

Carl
Carl

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

Longlivethequeen
Longlivethequeen

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

Adam
Adam

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

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

Dukie02
Dukie02

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

Justin
Justin

Really like the site. Good on Discover

The Man
The Man

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

Debito
Debito

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

Chris
Chris

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.

dd
dd

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

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

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