The FICO Twins (Discover)
In this, one in a series of “We treat you like you’d treat you” commercials, a young lady calls Discover card and speaks to what appears to be her twin sister who explains why her FICO score appears on her bill. The name of the twins actresses playing the “Discover twins” are Meltem Gulturk and Sinab Gulturk.
Are the Girls in the Discover Commercial Real Twins?
We know that Discover has used real twins in past TV commercials (The Baker Twins) but we also know that other commercials in this series use actors that are not twins. Since originally publishing this review, we have learned by reader comments that for this Discover commercial the girls are indeed twins played by sisters Sinab and Meltem Gulturk
What the Twins Say:
(Twin working at Discover answering phone:) Discover card
(Twin at home): Hey! So, I’m looking at my bill and my FICO credit score is on here
(Twin at Discover): Yah, you’ve got our Discover IT card so you get your FICO on your monthly statements now, for free
(Twin at home): That’s nice of you
(Twin at Discover): It’s a great way to stay on top of your credit and make sure things the way they should
(Twin at home): Awesome sauce!
(Julie): Huh, my twin sister always says that. Wait. Lisa?
(Lisa): Julie? You sound really different on the phone.
(Julie): Do I sound pleasant?
(Lisa): For once in your life you sound very pleasant
(Announcer): At Discover we treat you like you’d treat you. Free FICO credit score. Get the IT card at Discover.com
Claims and what they really mean:
- What the ad said: I’m looking at my bill and my FICO credit score is on here / you get your FICO on your monthly statements now, for free / Free FICO credit score
- What some people might think that means: If I get a Discover IT card I can get free credit scores
- What it really means: The commercial has the following fine print throughout the ad:
Limitations apply to free FICO Credit Score offer
No other information or details are given about the free FICO scores or limitations nor are we prompted to go to the Discover.com website to inquire about the details, however we are told that we can sign up for the IT card at the Discover.com website.
Is the Free FICO Score Really Free?
When visiting the Discover.com website, the following fine-print is found on the Discover “IT” page:
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. Discover and other lenders may use different inputs like a FICO Credit Score, other credit scores and more information in credit decisions.
This means that the credit score provided to you is not from all credit agencies, instead it is provided only by TransUnion. If you are applying for credit and the lender or issuing company checks your credit with a different agency, the results may be very different. However TransUnion is a major credit agency and the data they provide is generally in-line with other credit agencies.
Discover is now offering the free FICO credit score as part of the new FICO Score Open Access Program available through FICO®. According to the FICO.com website, there are no additional fees for the credit scores provided.
It is important to bear in mind that even though the additional credit score information provided via your Discover Card statement is free, the Discover Card itself may not be free. There may be annual fees, late fees, interest, or other fees. Always be sure to read an understand all fees and charges before agreeing to or signing up for any any credit.
Some people may feel that not enough information is provided in this ad to determine if the free FICO scores are actually free. Even though the Discover Card itself may not be free and subject to fees and charges, the FICO scores mentioned are indeed free. The wording in this commercial seems legit!