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Though I'm continuing to go up on my TU score every month by a few points, my scores are off by 10pts on each. Just confused because I thought they were the same FICO. Walmart TU is lower than Barclays TU score. Could it be that Walmart updates the score from the last SP they do? I'm not sure which one I should by. Any thoughts??
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Both scores should be dated. It's the same scoring so they would have to pull at different times.
The factors that affect scoring are: scoring model used, CRA used and date pulled. Given that we know that these scores use the same model and CRA that just leaves date.