SlabOfBacon wrote:
And just to clarify once again.. the score Walmart gives *IS* my actual real FICO score and not a FAKO score, correct? It says TransUnion, so I (and others) might be a little leery of what's what.
Yes, this is a real FICO score. Transunion (08) version, and IMO, more useful than the one you can buy here.
Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Crashem wrote:
Tu08 which Walmart provides isn't used much as again not accurate for what most lenders using tu fico use, including Walmart. But at least it might gain in use.
More useful than TU98 in my opinion in terms of market utilization of the scores; also, just because Walmart has enough customer data to rely on their own consumer model, doesn't mean they don't use the score at all for underwriting.
Just living in Cali though in my case unless I try really hard, inquiries just don't hit my TU report with any regularity to make me justify tracking the score specifically beyond the report data which I can get through CK for free. If I ever shopped there or if I move back to Texas then I'd probably consider it.
Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)Current Score: EQ 660, Wally TU 697, EX unknown (05/13/13)
Goal Score: 680 in all three (01/01/14)
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