topic Bummed in Understanding FICO® Scoring

Bummed

Target1212 — Fri, 05 Oct 2012 19:02:56 GMT

So I was excited to see my TU score on here on 5 days ago was 624....then I got it from Walmarts free Fico TU score it's 594.. I knew it's different score models, one being TU 98 and one TU 04 or something..but dang.... 30 points!

Re: Bummed

sbeasl11 — Sat, 06 Oct 2012 01:56:54 GMT

I haven't received my Walmart card yet, but I was worried about this exact thing also. I've had improvement the last two months and if there is a big differencee...I will be bummed too.

Re: Bummed

aussiesareforever — Sat, 06 Oct 2012 16:10:42 GMT

Target1212 wrote:
So I was excited to see my TU score on here on 5 days ago was 624....then I got it from Walmarts free Fico TU score it's 594.. I knew it's different score models, one being TU 98 and one TU 04 or something..but dang.... 30 points!

If it makes you feel better, not many lenders use the Walmart scoring model, which is the TU 08. You just need to find out what your TU 04 score is, which is what more lenders use :)

Re: Bummed

creditnocash — Sun, 07 Oct 2012 05:53:18 GMT

my walmart score is about 30 points higher then the one here....

so it goes both ways.