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Frequent Contributor
JPersat
Posts: 299
Registered: ‎05-28-2012

Which TU version for Walmart?

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


Starting Score: 492 02/12
Current Score: TU: 668 (FICO), EQ: 668 (FICO). EX: 651(lender pull 9/27/12)
Goal Score: 660



Moderator Emeritus
llecs
Posts: 32,880
Registered: ‎08-04-2007

Re: Which TU version for Walmart?

[ Edited ]

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.

Valued Contributor
Rhaeny
Posts: 1,507
Registered: ‎07-24-2011

Re: Which TU version for Walmart?


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.


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?


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Valued Contributor
jsucool76
Posts: 2,770
Registered: ‎12-11-2011

Re: Which TU version for Walmart?

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.
Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart Discover: 2000CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 2000CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
Moderator Emeritus
llecs
Posts: 32,880
Registered: ‎08-04-2007

Re: Which TU version for Walmart?


Rhaeny wrote:
But aren't most lenders using TU08 though?

 

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


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