topic Walmart FICO vs. Mortgage Lender FICO Pulls in Mortgage Loans

Walmart FICO vs. Mortgage Lender FICO Pulls

quicksilver185 — Thu, 11 Oct 2012 16:00:47 GMT

I was just wondering how the Walmart Transunion FICO score compares to mortgage lender Transunion FICOs? I would appreciate any feedback from anyone who has recently applied for a mortgage and also has the Walmart credit card. Thanks

Re: Walmart FICO vs. Mortgage Lender FICO Pulls

beb86 — Thu, 11 Oct 2012 21:19:17 GMT

walmart is the TU08 and most lenders use a TU04 myFICO uses the TU98.....my EQ from here and my lender was dead on, my TU was higher than here and walmart but their algorithms are all different so YMMV

Re: Walmart FICO vs. Mortgage Lender FICO Pulls

Booner72 — Thu, 11 Oct 2012 22:37:41 GMT

Same with me. My lender used TU04. Back then I didn't have access to the TU08 yet, so I can't compare. I will say though that my TU04 is pretty dead even with Credit Karma, which is always lower.

However, that is just a fluke. Credit Karma is/was 50 - 100 points lower for DH's TU scores.

Re: Walmart FICO vs. Mortgage Lender FICO Pulls

JPersat — Fri, 12 Oct 2012 18:45:13 GMT

My EQ was the same from the lender and from here. my TU, however...was 654 here (I got all excited, haha), and a 624 from the lender. EX on usaa was 629, 651 from the lender.