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Walmart Free FICO score

New Member

Walmart Free FICO score

How accurate is this score? I've had a Walmart card for years and found out today they offer this, but it's not even close

to my other scores. I ordered my scores from equifax today and got 3 numbers. here's breakdown :

Walmart Fico - 715

creditscore.com - 591

creditkarma - 651

credit sesame - 645

Pulled from Equifax today:

Equifax - 712

Trans - 641

Experian - 578

 

I'm SOOO confused!

Message 1 of 11
10 REPLIES
Super Contributor

Re: Walmart Free FICO score


doloresg wrote:

How accurate is this score? I've had a Walmart card for years and found out today they offer this, but it's not even close

to my other scores. I ordered my scores from equifax today and got 3 numbers. here's breakdown :

Walmart Fico - 715

creditscore.com - 591

creditkarma - 651

credit sesame - 645

Pulled from Equifax today:

Equifax - 712

Trans - 641

Experian - 578

 

I'm SOOO confused!


Out of all those scores Walmart is only one that's an fico. All the others are fako that doesn't really matter IMO.



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 2 of 11
Established Contributor

Re: Walmart Free FICO score


mongstradamus wrote:

doloresg wrote:

How accurate is this score? I've had a Walmart card for years and found out today they offer this, but it's not even close

to my other scores. I ordered my scores from equifax today and got 3 numbers. here's breakdown :

Walmart Fico - 715

creditscore.com - 591

creditkarma - 651

credit sesame - 645

Pulled from Equifax today:

Equifax - 712

Trans - 641

Experian - 578

 

I'm SOOO confused!


Out of all those scores Walmart is only one that's an fico. All the others are fako that doesn't really matter IMO.


Which FICO is the walmart card btw? Equifax?

Message 3 of 11
New Member

Re: Walmart Free FICO score

So my true credit score is 715?  that shoud get me preapproved for a creditcard, but i'm gettin no love Smiley Sad

Message 4 of 11
New Member

Re: Walmart Free FICO score


TheFate wrote:

mongstradamus wrote:

doloresg wrote:

How accurate is this score? I've had a Walmart card for years and found out today they offer this, but it's not even close

to my other scores. I ordered my scores from equifax today and got 3 numbers. here's breakdown :

Walmart Fico - 715

creditscore.com - 591

creditkarma - 651

credit sesame - 645

Pulled from Equifax today:

Equifax - 712

Trans - 641

Experian - 578

 

I'm SOOO confused!


Out of all those scores Walmart is only one that's an fico. All the others are fako that doesn't really matter IMO.


Which FICO is the walmart card btw? Equifax?


I'm sorry, i have no idea, so very new to all this..

Message 5 of 11
Super Contributor

Re: Walmart Free FICO score


TheFate wrote:

mongstradamus wrote:

doloresg wrote:

How accurate is this score? I've had a Walmart card for years and found out today they offer this, but it's not even close

to my other scores. I ordered my scores from equifax today and got 3 numbers. here's breakdown :

Walmart Fico - 715

creditscore.com - 591

creditkarma - 651

credit sesame - 645

Pulled from Equifax today:

Equifax - 712

Trans - 641

Experian - 578

 

I'm SOOO confused!


Out of all those scores Walmart is only one that's an fico. All the others are fako that doesn't really matter IMO.


Which FICO is the walmart card btw? Equifax?


Its TU08 the same one you get from discover and barclays. 



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 6 of 11
Super Contributor

Re: Walmart Free FICO score


doloresg wrote:

So my true credit score is 715?  that shoud get me preapproved for a creditcard, but i'm gettin no love Smiley Sad


True Credit is an transunion fako , so i woudn't take it too seriously, the thing i would concentrate more on is whats actually on your credit report not the score. 



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 7 of 11
New Member

Re: Walmart Free FICO score


mongstradamus wrote:

doloresg wrote:

So my true credit score is 715?  that shoud get me preapproved for a creditcard, but i'm gettin no love Smiley Sad


True Credit is an transunion fako , so i woudn't take it too seriously, the thing i would concentrate more on is whats actually on your credit report not the score. 


Meant my ACTUAL number to go by.. lol there's too many of these credit monitoring sites to keep track of!  ANd yes, I have concentrated a lot on my number, you make a very valid point,

Message 8 of 11
Super Contributor

Re: Walmart Free FICO score


doloresg wrote:

mongstradamus wrote:

doloresg wrote:

So my true credit score is 715?  that shoud get me preapproved for a creditcard, but i'm gettin no love Smiley Sad


True Credit is an transunion fako , so i woudn't take it too seriously, the thing i would concentrate more on is whats actually on your credit report not the score. 


Meant my ACTUAL number to go by.. lol there's too many of these credit monitoring sites to keep track of!  ANd yes, I have concentrated a lot on my number, you make a very valid point,


well actual scores i would go with walmart one if any of them. Walmart tu 08 btw is the same one you can get from buying here. 



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 9 of 11
New Member

Re: Walmart Free FICO score


mongstradamus wrote:

doloresg wrote:

mongstradamus wrote:

doloresg wrote:

So my true credit score is 715?  that shoud get me preapproved for a creditcard, but i'm gettin no love Smiley Sad


True Credit is an transunion fako , so i woudn't take it too seriously, the thing i would concentrate more on is whats actually on your credit report not the score. 


Meant my ACTUAL number to go by.. lol there's too many of these credit monitoring sites to keep track of!  ANd yes, I have concentrated a lot on my number, you make a very valid point,


well actual scores i would go with walmart one if any of them. Walmart tu 08 btw is the same one you can get from buying here. 


thank u so very much for responding, helps me sort out all this info !

Message 10 of 11