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Frequent Contributor
racer-x
Posts: 376
Registered: ‎09-16-2012

36 pt. difference in Walmart TU and myfico TU?

Recently obtained a Walmart credit card with a $700 limit.  Haven't used it yet. (month old)

I logged into my Walmart account and pulled the free TU score that Walmart offers.

It is 36 points lower than my TU here on myfico.  641 vs. 677.  My EQ is 702.  EX 674.

 

Seems like a large variance in the Walmat TU and myfico TU.  What gives?  Is that normal?


Starting Score 9/12: EQ 645 TU 641 EX 651
Current Score5/13: myFico EQ 729 DicoverTU 710 myFico EX 734
Goal Score: 750

AMEX PRG,AMEX BCP-$15.1k,US Bank PLOC-$15K,CSP-$15k,Freedom-$6k,CapOneVisa-$15k,US Bank Visa-$10k, DCU Visa-$10k,Paypal MC-$15k,USAA MC-$12k,Lowes-$8600,CapOne Visa-$10k,Discover IT-$12.9K,BoA Visa-$10.1K Walmart -$4k,GECU Visa-$3500, US RLOC-$750

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Valued Contributor
dodgerslv
Posts: 1,693
Registered: ‎06-16-2012

Re: 36 pt. difference in Walmart TU and myfico TU?


racer-x wrote:

Recently obtained a Walmart credit card with a $700 limit.  Haven't used it yet. (month old)

I logged into my Walmart account and pulled the free TU score that Walmart offers.

It is 36 points lower than my TU here on myfico.  641 vs. 677.  My EQ is 702.  EX 674.

 

Seems like a large variance in the Walmat TU and myfico TU.  What gives?  Is that normal?


same scenario here except with me is the other way around Walmart TU has me at 694 and MyFico has me at 648....i think one of them is TU98 version while the other is a different one...maybe someone can give is more info on that...



biggest limits: BofA Privilege (33K)/ BofA Cash Rewards (27k)/ Citi AA WEMC (26k)/ Penfed Rewards (22.5k)/ Chase United Explorer (22k)
Fico 08 scores (6/21/14) EX: 758 TU: 759 EQ: 755 (high Utilization for me at the moment @10% so gardening mode).





Valued Contributor
Duncanrr
Posts: 2,841
Registered: ‎06-08-2012

Re: 36 pt. difference in Walmart TU and myfico TU?

They use different versions of TU. Walmart is TU08 and MyFICO is the older TU04.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Valued Contributor
dodgerslv
Posts: 1,693
Registered: ‎06-16-2012

Re: 36 pt. difference in Walmart TU and myfico TU?


Duncanrr wrote:
They use different versions of TU. Walmart is TU08 and MyFICO is the older TU04.

ok...thanks for the info Duncanrr....:smileyhappy:



biggest limits: BofA Privilege (33K)/ BofA Cash Rewards (27k)/ Citi AA WEMC (26k)/ Penfed Rewards (22.5k)/ Chase United Explorer (22k)
Fico 08 scores (6/21/14) EX: 758 TU: 759 EQ: 755 (high Utilization for me at the moment @10% so gardening mode).





Frequent Contributor
racer-x
Posts: 376
Registered: ‎09-16-2012

Re: 36 pt. difference in Walmart TU and myfico TU?

So which is more accurate or more reliable?  Please say myfico...lol.

Also, I just paid $19.95 for my most current TU here on myfico....684...it's gone up 7 pts. in the past 2 wks.

Now my TU varies 43 pts. between Walmart TU and myfico TU.

 

I hated to spend the $19.95, but that would've been buggin' the heck out of me all night.  $20 for peace of mind I guess.


Starting Score 9/12: EQ 645 TU 641 EX 651
Current Score5/13: myFico EQ 729 DicoverTU 710 myFico EX 734
Goal Score: 750

AMEX PRG,AMEX BCP-$15.1k,US Bank PLOC-$15K,CSP-$15k,Freedom-$6k,CapOneVisa-$15k,US Bank Visa-$10k, DCU Visa-$10k,Paypal MC-$15k,USAA MC-$12k,Lowes-$8600,CapOne Visa-$10k,Discover IT-$12.9K,BoA Visa-$10.1K Walmart -$4k,GECU Visa-$3500, US RLOC-$750

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Valued Contributor
creditnocash
Posts: 2,185
Registered: ‎07-23-2012

Re: 36 pt. difference in Walmart TU and myfico TU?


racer-x wrote:

So which is more accurate or more reliable?  Please say myfico...lol.

Also, I just paid $19.95 for my most current TU here on myfico....684...it's gone up 7 pts. in the past 2 wks.

Now my TU varies 43 pts. between Walmart TU and myfico TU.

 

I hated to spend the $19.95, but that would've been buggin' the heck out of me all night.  $20 for peace of mind I guess.


they are  both accurate...

they are both FICO scores but use different formulas to calculate score 

 

my tu walmart score was 743 while on here it sits at 690

Current: Discover Fico 689 7/14 Walmart Fico 682 7/14

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Regular Contributor
dude11
Posts: 237
Registered: ‎06-07-2011

Re: 36 pt. difference in Walmart TU and myfico TU?


Duncanrr wrote:
They use different versions of TU. Walmart is TU08 and MyFICO is the older TU04.

I thought myfico TU here is 98?

Valued Contributor
Duncanrr
Posts: 2,841
Registered: ‎06-08-2012

Re: 36 pt. difference in Walmart TU and myfico TU?

you might be right. I just know the one here is the older version.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Valued Contributor
beb86
Posts: 1,117
Registered: ‎10-31-2011

Re: 36 pt. difference in Walmart TU and myfico TU?

walmart is TU08, lenders pull TU04, and myFICO is TU98

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Moderator
Revelate
Posts: 8,350
Registered: ‎12-30-2011

Re: 36 pt. difference in Walmart TU and myfico TU?


beb86 wrote:

walmart is TU08, lenders pull TU04, and myFICO is TU98


Mortgage lenders pull TU04 (guarunteed atm); however, everyone else is free to use whatever version they want and it's a challenge to tell what particular version was used unfortunately.  

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 679, EQ 8 708, TU 711, EX 702* (07/14/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


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