Discover Card Help Center
Credit Scorecard with your FICO® Score
- Why do FICO® Scores matter?
- How is my FICO® Score calculated?
- Why did my score change?
- Why is my FICO® Credit Score different than other credit scores I've seen?
- What if I don't agree with my score or key factors?
- Will checking this hurt my credit?
- Will my FICO® Credit Score ever be unavailable?
- How can I affect my score?
- Do joint account holders receive FICO® Scores from Discover?
Why do FICO® Scores matter?
How is my FICO® Score calculated?
- 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?
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:
- Discover provides your FICO® Score 8. Lenders use several different kinds of FICO® Scores, depending on the type of loan they provide.
- Discover provides your score from data on your TransUnion® credit report. Scores may vary when using data from your Experian or Equifax credit report.
- 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.
- 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?
- Request your free annual TransUnion® credit report at:
www.annualcreditreport.comOpens in a new tab
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, Georgia 30348-5281
- Dispute any inaccurate information at
http://www.transunion.com/credit-disputes/dispute-your-creditOpens in a new tab
Will checking this hurt my credit?
Will my FICO® Credit Score ever be unavailable?
- 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.