Credit Cards

[john398]

This is how mine reads on walmart online site

As of August 04, 2011 your FICO® Score is:

661

[bunnyrabbit]

Oh my goodness ~ this thread makes me to app for one ... but  I really don't need any more cc.   If I'm going to app for this, it will be same reason as other members ... FREE score!

[911gt34life]

the only reason i apply for walmart card is free fico score Black friday is coming.

[Juss11]

It cant be a true myfico score. Also the person who said take 15 points off and thats your score, has no clue what he is talking about.There are alot of things that facor a credit score,from ones credit to the next. I just did a walmart fico and it put me at 546. I knew this was wrong,so I paid for a transunion myfico and it put me at a 652. So who do you believe walmart or myfico? Im going with myfico!

[MarineVietVet]

---

Juss11 wrote:

It cant be a true myfico score. Also the person who said take 15 points off and thats your score, has no clue what he is talking about.There are alot of things that facor a credit score,from ones credit to the next. I just did a walmart fico and it put me at 546. I knew this was wrong,so I paid for a transunion myfico and it put me at a 652. So who do you believe walmart or myfico? Im going with myfico!

---

I can assure you that it is indeed a true Transunion FICO score. This comes from a very highly placed source at myFICO. We just don't know yet what version it is.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[tburns]

I got a nice jump. Not sure what did it though.

713 - July

688 - Aug

696 - Sept

740 - Oct

I know the drop in Aug was due to getting my car loan and I guess the slight rebound was due to it not being such a new account the next 2 months. But a 44 point jump this month? Only thing I can think of is 2 of my CCs hit 1 year this month but that still seems like a huge jump for that?

[visorboy1974]

---

MarineVietVet wrote:

---

I can assure you that it is indeed a true Transunion FICO score. This comes from a very highly placed source at myFICO. We just don't know yet what version it is.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

---

I think the wide range in scores is because TU has come out with a bunch of different scoring methods over the past 15 years.  Here is the 98 TU formula and who knows if WalMart is the TU 04 or 08?  I can attest that the score matched a CLI request score that was mailed to me a few days ago which is 680.  My other 2 TU scores range from 727-740.  

[Gotagoal]

It's my understanding that the Walmart score updates about 1 x a month.  

I'm curious why my Fico score via Walmart is 32 points LOWER than the FICO score on myFico for TU.

Anyone know why?  I would expect them to be identical.

[MagicShot]

---

Gotagoal wrote:

It's my understanding that the Walmart score updates about 1 x a month.  

I'm curious why my Fico score via Walmart is 32 points LOWER than the FICO score on myFico for TU.

Anyone know why?  I would expect them to be identical.

---

There both FICO but we believe Walmart is using a newer FICO scoring model than on here.

[Juan123]

is that a good thing or a bad thing?