Question about the score Walmart sent me

[brittany15213]

I applied for a walmart card a couple weeks ago and got an email saying they based my decision off of my score 409?!?! My scores are all in the 600's where do they get this information? It just worries me :/

[Burned2manybridgesB4]

This is where GEMB gets weird...

They used their own internal scoring system for approval/denial of your app, but the score you can get online monthly from the wally card is your real TU08.

[NJTurnpike]

409 does not seem realistic unless you have some alot of major baddies on your report.

[Burned2manybridgesB4]

Read this...

http://ficoforums.myfico.com/t5/Credit-Cards/what-type-of-scoring-does-gemb-use/td-p/1231013

[brittany15213]

No I only have two collections Paid and some missed payments on another credit card back from 2009

[LS2982]

Burned is correct.

GE uses their own in house scoring to approve apps, if any score looks weird to you the easiest way to tell if it is a FICO is look at the scoring model range. FICO is always between 300-850.

[Burned2manybridgesB4]

Deja Vu!!!

I just copied one of your priors, LS....good timing.

[brittany15213]

Thanks everybody!