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Valued Member
Posts: 116
Registered: ‎07-14-2011
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TU score from Walmart versus TU score from USAA credit check monitoring?

Which one is the true TU score?  I have a 647 through Walmart (free score with walmart credit card) and then I pay for the monthly monitoring from USAA credit check monitoring service for all three CR's...I"m thinking WALMART is the more "true" score???  anyone know?

Equifax: 470 ( Lender 7/11) 548 (USAA-7/10/13

Experian: 493 (Lender 7/11) ) 588-USAA 7/10/13

TU: starting- 461 (Lender 7/11), 553-USAA 7/10/13- 647 (Walmart 7/15/13)
Vantage Score: 678
GOAL: FICO 650-690 by 12/2013
Super Contributor
Posts: 9,674
Registered: ‎01-28-2010
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Re: TU score from Walmart versus TU score from USAA credit check monitoring?


lovemybabiesx2 wrote:

Which one is the true TU score?  I have a 647 through Walmart (free score with walmart credit card) and then I pay for the monthly monitoring from USAA credit check monitoring service for all three CR's...I"m thinking WALMART is the more "true" score???  anyone know?


The Wally card gives an actual FICO score, versus the USAA which gives FAKO scores.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Valued Member
Posts: 116
Registered: ‎07-14-2011
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Re: TU score from Walmart versus TU score from USAA credit check monitoring?

I always thought the FAKO scores were higher though?  My Walmart FICO score is MUCH higher than the USAA score i've got =)  I'm happy do not get me wrong but was just curious! =)

Equifax: 470 ( Lender 7/11) 548 (USAA-7/10/13

Experian: 493 (Lender 7/11) ) 588-USAA 7/10/13

TU: starting- 461 (Lender 7/11), 553-USAA 7/10/13- 647 (Walmart 7/15/13)
Vantage Score: 678
GOAL: FICO 650-690 by 12/2013
Moderator
Posts: 27,206
Registered: ‎09-13-2012
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Re: TU score from Walmart versus TU score from USAA credit check monitoring?

Not necessarily. CK had my score at 635 when WalMart had it at 703/ Discover 707.
Senior Contributor
Posts: 3,528
Registered: ‎01-19-2009
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Re: TU score from Walmart versus TU score from USAA credit check monitoring?

Well since no one uses the USAA score, its just a guideline I guess

Super Contributor
Posts: 8,883
Registered: ‎06-19-2013
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Re: TU score from Walmart versus TU score from USAA credit check monitoring?

I think most people like USAA for the daily pulls at least that is what I use them for. As far as scores USAA vs Walmart fico. My USAA score is 717 and Walmart fico is 620, makes me very sad.



EX Fico 774 3/3/15 Fako 808 CS/Credit.com 11/24/14
EQ SW bank enhanced 3/24/15 819 CK fako 807 2/7/15
TU Fico Barclay's 3/26/15 791 TU fico walmart 3/23/2015 788 Fako 808 Creditkarma 3/23/15
Super Contributor
Posts: 9,674
Registered: ‎01-28-2010
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Re: TU score from Walmart versus TU score from USAA credit check monitoring?

 

FAKOs can either be higher or lower, there's no correlation between them and FICO scores.   It will just vary based on what is on your reports.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Frequent Contributor
Posts: 273
Registered: ‎09-30-2012
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Re: TU score from Walmart versus TU score from USAA credit check monitoring?

My CK score is about 70 points less than my Walmart score. Has been like that for about a year. Not sure why I even bother looking at the CK score.


Moderator
Posts: 27,206
Registered: ‎09-13-2012
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Re: TU score from Walmart versus TU score from USAA credit check monitoring?

Frequent Contributor
Posts: 273
Registered: ‎09-30-2012
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Re: TU score from Walmart versus TU score from USAA credit check monitoring?

I'm beginning to think CK is pretty worthless.


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