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Why is Discover putting my FICO® Credit Score on my statement?
Simply put, we want to be your favorite card. So we're always looking for new ways to treat you right. And now that means a FICO® Credit Score from TransUnion on your monthly statement* to help you stay on top of your credit and avoid surprises. All for free, and with no impact to your credit score.
What's a FICO® Credit Score?
It's a three digit number calculated from the information on your credit report. The FICO® Credit Score summarizes information on your credit report into a single number that lenders can use to quickly assess your credit risk.
How it's used.
Lenders commonly use the FICO® Credit Score to determine how likely you are to pay your credit obligations, and it can influence everything from car loans to mortgages to credit cards.
How the FICO® Credit Score is calculated.
What your score means to lenders.
Frequently Asked Questions
- 1. Are you sharing this information?
- No. Discover is not sharing your FICO® Credit Score with anyone but you.
- 2. Is this going to hurt my credit?
- No. We provide your FICO® Credit Score on your statements with a soft inquiry that will never impact your credit.
- 3. Why didn't I see my FICO® Credit Score on my statement?
- Some cardmembers do not have a FICO® Credit Score, often because their credit history is too new. If you are a Discover Business cardmember, you will not receive a FICO® Credit Score on your monthly statement. If you have a consumer card with us, you will receive your FICO® Credit Score on your statement.
- 4. Where can I find out more about my credit?
- If you'd like more information on how the FICO® Credit Score is calculated, visit www.myfico.com/crediteducation.
- If you'd like to see your full credit history, you can get your credit report from the three major credit bureaus for free once every 12 months from www.annualcreditreport.com.
- 5. Can I stop receiving this?
- Yes. If you'd like us to stop sending your FICO® Credit Score on your statements, call 1-800-DISCOVER (1-800-347-2683). It may take up to two statements to stop sending your score.
- 6. How does Discover use FICO® Credit Scores?
- Like other lenders, Discover can use your FICO® Credit Score as one piece of information among many to help make a more informed credit decision about you. Since we have the information available, we think cardmembers would like to know it too. That's why we're proud to be the first major credit card to share your FICO® Credit Score for free on your monthly statements.
- 7. Where did you get this score?
- We partnered with TransUnion, one of the three major credit bureaus, and FICO to provide your FICO® Credit Score on your statement for free.
- 8. How often will I see my FICO® Credit Score?
- Your FICO® Credit Score will be updated every month with your statement.
- 9. Will my score change on each statement?
- Your FICO® Credit Score is updated every month with new information from your TransUnion credit report, and it can change over time.
- 10. What's the difference between the FICO® Credit Score and other credit scores?
- There are many types of credit scores. FICO® Credit Scores are frequently used for credit decisions, and knowing your FICO® Credit Score from TransUnion can keep you on top of your finances and help avoid surprises.
- 11. I got my FICO® Credit Score from somewhere else. Why is it different?
- The FICO® Credit Score we share on your statement is updated every month from information on your TransUnion credit report. It may be different than scores you've seen in the past. Also, your FICO® Credit Score is based on credit bureau information, and it may be different from one credit bureau to the next.
- 12. Why is my FICO® Credit Score important to me?
- Nearly all lenders in the U.S., including Discover, use a FICO® Credit Score among other information when they make their credit decisions. And they have for over 20 years. Discover puts your FICO® Credit Score from TransUnion on your statement so you can stay on top of your credit and avoid surprises.
- 13. My FICO® Credit Score is wrong.
- The FICO® Credit Score is calculated based on information in your TransUnion credit report. You have the right to dispute incorrect information directly with the credit bureau at http://www.transunion.com/personal-credit/credit-disputes/credit-disputes.page
- FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.
Still Have Questions? Get Answers.
Call Discover Customer Service anytime at
All FICO® Score materials are Fair Isaac proprietary information. © Fair Isaac Corporation. All rights reserved.
*Your FICO® Credit Score is based on data from TransUnion and may be different from other credit scores. FICO® Credit Scores are delivered only to Primary cardmembers who get a monthly statement and have an available score. This information is intended for the Primary cardmember only. Discover and other lenders may use different inputs like 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.