Which TU version for Walmart?

[Anonymous]

 My fico from here is 650 something, but our lender pulled a 624 yesterday. Which version does Walmart use?

[llecs]

TU08

ETA for clarification....do you mean the free monthly FICO? If so, it's TU08. If you meant the score the lender uses to approve/deny, then the answer is different. I think they use their own internal score being GECRB.

[Rhaeny]

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@llecs wrote:

TU08

ETA for clarification....do you mean the free monthly FICO? If so, it's TU08. If you meant the score the lender uses to approve/deny, then the answer is different. I think they use their own internal score being GECRB.

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Really?  Now that is interesting.  So they give us what is equivalent to a FAKO score to them?  

But aren't most lenders using TU08 though?

[jsucool76]

It technically is a fako score since it isnt a FICO score. They use their own proprietary scoring model.

The score you receive monthly though is a TU FICO.

GECRB uses their scoring model for all of their cards.

[llecs]

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@Rhaeny wrote:

But aren't most lenders using TU08 though?

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Not that I've seen as based on what others posted. I can think of one, maybe, and that hasn't been fully verified.