I get it from Discover and I think it is pretty accurate. Just asked them for a limit bump and felt insulted when they came back with a $500 dollar bump, oh well whatever! I guess I can see if there is a measurable difference next month as that is the only card I have a balance on.
Just checked Amex and they are giving me 1 point higher than Discover, maybe that is from the $500 limit bump.
