TU Fico score difference

[shondra0609]

My TU Walmart Card FICO says 710.  My TU Cap1 fico says 674.  Huh?? 

[earlyKY]

I'm pretty sure Cap1 is a FAKO. My cap1 didn't match the lender pull at all.

[kjel]

I think the Cap1 is the same as the Credit Karma score, mine match exactly. MyFico TU score is 20 points lower.

[navistar]

look at my tu scores in my sig

[gdale6]

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@shondra0609 wrote:

My TU Walmart Card FICO says 710.  My TU Cap1 fico says 674.  Huh?? 

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The Cap-1 is a TU FAKO that is the same as CK. A fako score for a fako bank......

[shondra0609]

So...is Walmart more accurate?

[gdale6]

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@shondra0609 wrote:

So...is Walmart more accurate?

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Yup, Walmart = Discover It = Barclay and it is a FICO 08

[navistar]

from what i am learning shondra, there seems to be many different models to get score and lenders can use any of them. seems to me you cant really know what your score will be until the lender pulls

[shondra0609]

It's really a load of $hit!!!