cancel
Showing results for 
Search instead for 
Did you mean: 

TU score from Walmart versus TU score from USAA credit check monitoring?

Valued Member

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
Message 1 of 11
10 REPLIES
Super Contributor

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
Message 2 of 11
Valued Member

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
Message 3 of 11
Moderator Emerita

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.
Message 4 of 11
Senior Contributor

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

Message 5 of 11
Super Contributor

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 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 6 of 11
Super Contributor

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
Message 7 of 11
Frequent Contributor

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.

Message 8 of 11
Moderator Emerita

Re: TU score from Walmart versus TU score from USAA credit check monitoring?

Message 9 of 11
Frequent Contributor

Re: TU score from Walmart versus TU score from USAA credit check monitoring?

I'm beginning to think CK is pretty worthless.

Message 10 of 11