Credit Cards Center Credit cards from our partners
Established Member
Posts: 23
Registered: ‎10-11-2012

FICO confusion

So I applied for a Walmart card and was approved. I received my card in the mail and I registered online to get my free FICO score. I was pleasantly surprised to see 625. My hard work is paying off, so I thought. I also applied for a JC Penney's card the same day and received the standard 7-10 message. I received my denial letter from JC Penney's today and it advised me that my credit score was 439! I was shocked. The letter also went on to say " Score range from a low of 300 to a high of 620"..which got me thinking...I was under the impression that FICO scores can reach as high as 850. Why was this range so low. Can anyone tell me if this is a TU Score and not a true FICO score? I can't imagine getting a Barclays card, which I was approved for a week ago, with a credit score of 439. Not only that, I was also under the impression that the score you get from WalMart is a true FICO score that you can receive monthly for enrolling in paperless statements. Just confused and need some help understanding.


Thanks in advance

Posts: 13,897
Registered: ‎04-15-2011

Re: FICO confusion

It's an internal score.   Some have their own proprietary score systems.  

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Posts: 3,362
Registered: ‎10-19-2012

Re: FICO confusion

If the letter doesn't mention FICO, you can safely assume that the provided score is not a FICO score.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.