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Valued Member
Posts: 38
Registered: ‎02-25-2011
0

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
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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

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Senior Contributor
Posts: 3,889
Registered: ‎05-24-2011
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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
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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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