@anca21bi wrote:I believe the Walmart Fico is a new model of the Tranusion scoring system, the '08 and the one on this site is from '98, while most lenders, I think use the '04 model. My Walmart Fico usally mirrors the scores I receive from credit cards but not for mortgage applications-it's usally about 30 points higher. My fico on here is was lower as well. Some one with a little more expertise can add more to this...but they are both accurate scores just different models.
Myfico upgraded to tu 08 they should be the same that is odd. Did anything change between score pulls
@taxi818 wrote:
Earlier in the week I asked for exclusion for early delete on Transunion. They guy. (Little English). Starting reading script. So I know he understood me. I interrupted him. He said you must want to dispute. I said whatever. 2 months to go. Wednesday. I don't see co. Maybe that's it since walmart updates only once a month. I just paid for my fico. Couple days Ago. Not sure. I won't sweat. In garden. Until next summer. Will just buckle down. Thanks guys.
Did you purchase the one pull, are you using Quarterly Monitoring?
All new pulls should've already been migrated to TU 8 as others have mentioned. If you asked for a dispute and something changed in between the two pulls, all bets are off as those do absolutely wonky things.
They should be identical scorewise otherwise.
@taxi818 wrote:I only did 1pull not even sure what quarterly monthly. Is. Since I'm not apping it's ok. But hmm not sure why dispute creates confusion
Because disputes can completely discount the tradeline under dispute from scoring.
Can't even apply for a mortgage with a dispute on your account (or a dispute remark even, silly Desktop Underwriter can't tell the difference apparently).