score difference

bbb3601 · ‎02-03-2012

Got my walmart tu score and it is a huge difference from tu on here. what gives?

NFCU Cash Rewards 20,000,NFCU Plat 17,000, NavCheck 15,000, USAA Cash 4,000, USSA Rate Adv 2,000, USAA AMEX 3,500, Freedom 2,000, Capital One 2,000, Barclay's Apple 1,500, Barclay's Ring 1500, Various Store Cards.

pizzadude · ‎02-03-2012

The MyFICO TU score sold here is TU 98. Wal*Mart provided TU08 version, so it is not the same FICO model.

What are your two scores ?

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX

bbb3601 · ‎02-03-2012

647 here, and 605 at wally. kinda scary no!!?? lol

NFCU Cash Rewards 20,000,NFCU Plat 17,000, NavCheck 15,000, USAA Cash 4,000, USSA Rate Adv 2,000, USAA AMEX 3,500, Freedom 2,000, Capital One 2,000, Barclay's Apple 1,500, Barclay's Ring 1500, Various Store Cards.

pizzadude · ‎02-03-2012

Dang that is a big difference ~ 42 points. I'll have to look for the differences but I think the 08 version htis your score harder for high utilization and for multiple delinquencies.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX

bbb3601 · ‎02-03-2012

it does make one wonder though because they just opened my account (just got card yesterday) using that 605!

NFCU Cash Rewards 20,000,NFCU Plat 17,000, NavCheck 15,000, USAA Cash 4,000, USSA Rate Adv 2,000, USAA AMEX 3,500, Freedom 2,000, Capital One 2,000, Barclay's Apple 1,500, Barclay's Ring 1500, Various Store Cards.

visorboy1974 · ‎02-03-2012

I'm at the following:

727 for TU '98

756 for TU '04

679 for TU '08

Figure that one out!

FICO Scores Updated 07/15 EQ08 748 EX08 748 TU08 818

pizzadude · ‎02-03-2012

Yeah that is cool that they approved ! What CL did they give you to start ??

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX

pizzadude · ‎02-03-2012

@visorboy1974 wrote:
I'm at the following:
727 for TU '98
756 for TU '04
679 for TU '08

Figure that one out!

wow, that is bizarre. 77 points between 04 and 08 !! That is a massive difference....

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX

bbb3601 · ‎02-03-2012

only 400, but i figure that is in lne with my 2 cap one's (500/750). barclay gave me 1k just after WM. i wonder if the score difference is from those new accounts dropping ut%. on second hand also makes me wonder if walmart has loosened their requirements to get their card in more hands? When i get new score next month i will make sure to post.

NFCU Cash Rewards 20,000,NFCU Plat 17,000, NavCheck 15,000, USAA Cash 4,000, USSA Rate Adv 2,000, USAA AMEX 3,500, Freedom 2,000, Capital One 2,000, Barclay's Apple 1,500, Barclay's Ring 1500, Various Store Cards.

tcbofade · ‎02-03-2012

@visorboy1974 wrote:
I'm at the following:
727 for TU '98
756 for TU '04
679 for TU '08

Figure that one out!

My TU '08 is 619.

I've got two other TU scores...one is 648, one is 675, but I have no idea WHICH TU scores they are...

How do we figure out which bank/cc is using which TU score?

Argh.

04/01/24 Fico 8: EX 763, EQ 799, TU 783.
Fico 9: EX 756 03/13/24, EQ 790 02/04/24, TU No idea.

Zero percent financing is where the devil lives...