10-11-2012 08:47 AM - edited 10-11-2012 09:00 AM
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
10-11-2012 02:19 PM
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
10-11-2012 03:36 PM - edited 10-11-2012 03:37 PM
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.
10-12-2012 11:45 AM
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.