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  • What is a FICO® Credit Score?

    A FICO® Credit Score is a three-digit number that summarizes your credit risk based on a snapshot of your credit file(s) from TransUnion. 90% of top lenders in the U.S. use FICO® Credit Scores to quickly assess your credit risk for activities like applying for a car loan, credit card, or mortgage.
  • What's in FICO® Credit Scores?

    Your FICO® Score considers both positive and negative information in your TransUnion credit report. It’s calculated by these 5 categories, the importance of any piece of information depends on the information in your entire credit report: payment history, amounts owed, length of credit history, new credit, and types of credit.
    • Your payment history focuses on behaviors like making payments on time, late or missing payments, collections, and public records.
    • Your amounts owed considers how much you owe to creditors and the percentage of available credit you are using.
    • The length of your credit history includes how long your accounts have been established and open, as well as the age of your newest account.
    • New credit looks at the number of new accounts and the number and timing of requests for credit inquiries, among other things.
    • Types of credit encompass types of credit accounts, including both revolving (credit cards) and installment (fixed loan amount and payment) accounts.
  • What are FICO® Credit Score key factors?

    The Key Factors that Discover provides are the top reasons that affected your FICO® Credit Score. They're listed in order of most to least significance. If you have a high FICO® Credit Score (usually in the mid-700's or higher), Key Factors are still important, but less impactful since they represent a smaller margin for improvement of your financial health.

  • Why is my FICO® Credit Score important?

    Nearly all lenders in the U.S., including Discover, have been using FICO® Scores for over 20 years as the industry standard for determining credit worthiness. Discover provides your FICO® Score from TransUnion on your account statements so you can stay on top of your credit and avoid surprises. You can also view your scores and key factors within the last 12 months on our website and mobile app.
  • Who looks at FICO® Credit Scores?

    FICO® Credit Scores may be accessed by authorized parties who would like to assess your credit worthiness. Whether it’s for a home loan, car loan, or credit card application, FICO® Scores are considered for over 90% of lending decisions.
  • How does Discover use FICO® Credit Score?

    Like most other lenders, Discover uses your FICO® Score as one piece of information among many to help make a more informed credit decision about you.
  • What can affect my score?

    Your FICO® Credit Score considers both positive and negative information in your credit report. Good credit habits like consistently paying bills on time, by 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.
  • Does my FICO® Credit Score change every month?

    According to FICO, 88% of the population experiences changes to their score by up to 20 points month to month. Each time Discover provides 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 FICO® Score may change when we provide it upon your account cycling (which is not necessarily at the beginning of the month).
  • Why is my FICO® Credit Score unavailable?

    Active cardmembers receive their FICO® Score on monthly statements, online, or on the Discover Mobile app.
    Your FICO® Score might not be available because:

    -          You’ve opted out.
    -          Key information is mismatched or missing (for example, an address change that has not been updated with Discover or TransUnion).
    -          Your credit history is too new.
    -          Your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off.
    -          You have a foreign address.

    Note: If you have no account activity for 180 days, such as no purchase transactions, fees, interest, or payments, your FICO® Score will not be available online or on the Discover Mobile app.

  • Why is the FICO® Credit Score Score provided by Discover potentially different from other credit sources? What's the difference between the FICO® Credit Score and other credit scores?

    Between all three major credit bureaus (TransUnion, Equifax and Experian), there are 19 FICO® Scores that are most commonly used by lenders. The score version that matters most to you depends on the type of loan you’re interested in and where your lender pulls your scores. The FICO® Score Discover provides is the FICO® Score 8, based on your TransUnion credit report, and may be different from other scores. FICO® score 8 has a range of 300-850. See for more information on the different score versions.

    FICO® Scores, as well as other credit scores, are based on credit bureau information, and may be different from one credit bureau to the next. When reviewing your credit score, keep in mind that it gives you a general snapshot of your credit report information at a very specific point in time, so take note of the date, the credit bureau and the range for that particular score.

  • Will receiving and reviewing my FICO® Credit Score from Discover affect my credit?

    No. The FICO® Score provided by Discover will never impact your credit score. The FICO® Score and associated educational content are provided solely for your own non-commercial personal review, use and benefit.

  • What types of Discover cardmembers receive FICO® Credit Score from Discover?

    FICO® Scores are intended for and only provided to primary cardmembers who have an available score. Currently, we do not provide FICO® Scores for joint account holders or authorized buyers.

  • Can I view my FICO® Credit Score on the Discover app?

    Yes. If you are an eligible primary cardmember, you can view your FICO® Score in the Discover app through the navigation menu after logging in. You can also review it within your statements via the app.

  • Where can I find out more about my credit?

    It’s good practice to review your credit report from the three national credit bureaus—TransUnion, Equifax and Experian—at least once a year and especially before making a large purchase, such as a house or car.

    Federal law allows you to get a free credit report annually from TransUnion, Equifax and Experian, and has set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual credit report(s):
    Annual Credit Report Request Service 
    P.O. Box 105281 
    Atlanta, GA 30348-5281

  • What should I do if I don't agree with my FICO® Credit Score or key factors?

    Your FICO® Score is based on information in your TransUnion credit report, so it's important to make sure that report is accurate. Remember, your FICO® Score reflects a general snapshot of your credit history at a specific point in time and can be influenced by payment history, amount owed, length of credit history, new credit opened, types of credit, and other factors found on your account. It can fluctuate month to month. However, if you believe there is an error, you can:

      1. Request your free annual TransUnion credit report at
      2. After reviewing your report, if you find inaccurate information that may have affected your score, you can dispute your TransUnion credit report at (select "Credit Disputes, Alerts & Freezes")
  • Can I stop receiving my FICO® Credit Score?

    Yes. If you'd like us to stop providing your FICO® Credit Score, call 1-800-DISCOVER (1-800-347-2683). It may take up to two billing cycles to stop receiving your score.

  • Does Discover share my FICO® Credit Score Score with other parties outside of primary cardmembers?

    No. FICO® Scores are intended for and only provided to primary cardmembers who have an available score.
  • Still have questions?

    Call Discover Customer service anytime at 1-800-347-2683.

    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 about the availability of your score. Your score and key factors are available on and your score is provided on statements. You will see up to a year of recent scores online 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.

    If you prefer not to receive your FICO® Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request. To learn more, visit

    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.

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