There is no one definitive answer to this question, as the Discover FICO score is a complex and proprietary product. However, some experts feel that it may be accurate to a certain extent. The Discover FICO score is based on a number of factors, including your credit history and utilization rates. It can be used to help you assess your risk and potential for financial success. Some experts believe that the Discover FICO score may be accurate to a certain extent, but that it should not be relied upon as the sole factor in determining your creditworthiness.