Scoring question-edited

[Prettybg]

Hello all,

I have a question about having different scores reporting and I don't understand why.

I used trusted id credit and protection service offered thru aarp (I'm on my moms family credit and score monitoring account). I pulled my scores from them on 1/9/14 which gave me: 

TU:662

EQ:649

EX:632

 Then I went on Walmart to check my score and it says:

 TU:681 (1/3/14)

walmart uses TU to get the score but my question is, which scores do I believe? Also on walmarts report it says that my score is affected because I have a serious delinquency on my report over 60 days which is from 1/2010 for my student loan, my loan has never been late since then, should I try to ask AES to remove it as a courtesy or do they not do that? Sorry to sound dumb but I'm just trying to figure this credit scoring thing out. Any answers would be greatly appreciated.

thanks!

[09Lexie]

Welcome to the forum.  Unfortunately, your images are not showing but I can still give you some assistance. 

Trusted ID does not provide a true FICO but a FAKO score.  Walmart  provides a FICO based on TU08. 

Derogs of 120 days or more are considered major and they will impact your score longer than 30-60 day lates.  You may ask the creditor to remove the delinquency but they are not obligated to change the reporting.  For more information and examples of GW letters, take a look in our Rebuilding Forum. 

[Prettybg]

Thanks for your reply. 

[LearningMoreAboutCredit]

Read this to broaden your perspective on scores: http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/The-many-flavors-of-FICO-Editions-version...

[takeshi74]

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@Prettybg wrote:

walmart uses TU to get the score but my question is, which scores do I believe?

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You can believe both but the Trusted score, as pointed out above, is a FAKO and no creditor uses it to make an approval decision.  Whether or not a creditor uses the FICO model that Walmart provides depends on the creditor.  First of all, FICO has a number of different models that creditors use that can result in varying scores.  Second, not all creditors rely on Trans Union.

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@Prettybg wrote:

should I try to ask AES to remove it as a courtesy or do they not do that?

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Never know unless you try.

[guiness56]

Derogs of 90+ days are all considered major derogatories.