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Difference in Barclays and Walmart TU FICO scores

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pizza1
Community Leader
Super Contributor

Difference in Barclays and Walmart TU FICO scores

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??

Message 1 of 4
3 REPLIES 3
Kostya1992
Established Contributor

Re: Difference in Barclays and Walmart TU FICO scores

Has to be that the SPs were done at different dates and one of them are reporting from an old SP. You could probably see your report and see when the soft pulls were done.
TU08 FICO850
EX08 FICO850
EQ08 FICO850

Message 2 of 4
Anonymous
Not applicable

Re: Difference in Barclays and Walmart TU FICO scores

Both scores should be dated. It's the same scoring so they would have to pull at different times.

Message 3 of 4
takeshi74
Senior Contributor

Re: Difference in Barclays and Walmart TU FICO scores

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.

Message 4 of 4
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