What are FICO ® Credit Scores?
It's a three-digit number that summarizes the positive and negative information on your TransUnion credit report. FICO ® Scores are the most common credit scores used by lenders to quickly assess your credit risk, and it can influence everything from car loans to mortgages to credit cards.
Why do we provide your FICO ® Credit Scores for free?
Discover provides your scores based on information from your TransUnion credit report on your statements and online so you can stay on top of your credit and avoid surprises. And providing it will never impact your credit score. Nearly all lenders in the U.S, including Discover, use a FICO ® Score among other information when they make their credit decisions. And they have for more than 20 years.
How are FICO ® Credit Scores calculated?
Your FICO ® Scores consider five categories of credit data from your TransUnion credit report that may vary in importance for different credit profiles. The percentages below are based on the five categories for the general population.
- 35% Payment History
- 30% Amounts you owe
- 15% Length of credit history
- 10% New credit opened
- 10% Types of credit
Now, you can learn more than just your score.
We're no longer just providing you with your FICO ® Credit Score for free. We're also providing you with your recent scores so you can track your FICO ® Score history as well as key factors behind your scores. *
What your FICO ® Score means to lenders.
- 579 or less Indication of a very risky borrower
- 580 to 669 Some lenders will approve borrowers with this score
- 670 to 739 Scores in this average United States range are considered good
- 740 to 799 Indication of a very dependable borrower
- 800+ Indication of an exceptional borrower
Frequently Asked Questions
Does my FICO ® Score change every month?
According to FICO, 83% of the population experiences changes to their score by up to 20 points month to month. Each time we provide your FICO ® Score, it's based on the information in your TransUnion credit report at that snapshot in time. As the information in your credit report changes, your score may also change and we provide it monthly so you can track it over time.
How often will my FICO ® Credit Score be available?
As an active cardmember, you may see your FICO ® Credit Score on your monthly statement or online. Reasons why you may not see your credit score include: if you have a joint account; if you opt out; if you have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover or TransUnion; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you have a foreign address; or if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30 days.
Will receiving this affect my credit score?
No. The FICO ® Score we provide will never impact your credit score.
Still Have Questions?
Call Discover Customer Service anytime at
* FICO® CREDIT SCORE TERMS: Your FICO ® Credit Score and key factors are based on data from TransUnion and may be different from other credit scores. This information is intended for and only provided to Primary cardmembers who have an available score. See Discover.com/FICO about the availability of your score. Your score is provided on the statement for individual accounts and on Discover.com with key factors for individual and joint accounts. You will see up to a year of recent scores starting when you become a cardmember. Discover and other lenders may use different inputs, such as a FICO ® Credit Score, 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.
Discover Financial Services and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. Discover Financial Services and Fair Isaac do not provide "credit repair" services or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating.