Valued Member
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


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

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Valued Contributor
Posts: 1,115
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 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

Senior Contributor
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
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

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