Posts: 131
Registered: ‎08-03-2011

3 Different TU Ficos Walmart, Merrick, MyFico

My fico scrore from Walmart, Merrick and MYFICO are all different. Walmart says 610. Merrick says 617 and MyFico says 654. Which is actually the correct one? I thought Ficos are Ficos. Why the disparity?

Experian 678 Equifax 660 Transunion 670
Posts: 4,189
Registered: ‎03-24-2008

Re: 3 Different TU Ficos Walmart, Merrick, MyFico

There are different scoring models, h ere at myFICO uses the older verison TU98 and Walmart uses the newer one called TU08.  Merrick,  I dont know.

FICO's Oct 2013 TU711 EQ713 EX723~~Live below your means and always keep an emergency fund -Love Everybody ~ Big Kenny ~ Big and Rich ~~~~~Credit Scoring 101 - Common Abbreviations - Freq Req Threads - Free Credit Reports - What Steps Do I Take?DV? PFD?
Posts: 9,674
Registered: ‎01-28-2010

Re: 3 Different TU Ficos Walmart, Merrick, MyFico

Merrick uses the Bankcard enhanced FICO08 score.
March2010 FICO® ~ 695 TU, 653 EQ, 697 EX

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