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Valued Contributor
Posts: 1,054
Registered: ‎09-16-2012
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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?

Valued Contributor
Posts: 2,056
Registered: ‎06-16-2012
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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...

Cards: (Chase x8) (Citi x6) (Amex x6) (BofA x3) (US Bank x3) (Barclays x4) (WF x2) (Cap1 x4) (Synch x4) (Penfed x2) (Macys Amex, Discover, USAA, Fidelity, NASA x1), PLOC: Citi (18k) WF (10k), Personal Loan: USAA (25K), Auto Loans: Ally, Audi Financial.
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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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
Posts: 2,056
Registered: ‎06-16-2012
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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....Smiley Happy

Cards: (Chase x8) (Citi x6) (Amex x6) (BofA x3) (US Bank x3) (Barclays x4) (WF x2) (Cap1 x4) (Synch x4) (Penfed x2) (Macys Amex, Discover, USAA, Fidelity, NASA x1), PLOC: Citi (18k) WF (10k), Personal Loan: USAA (25K), Auto Loans: Ally, Audi Financial.
Valued Contributor
Posts: 1,054
Registered: ‎09-16-2012
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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.

Valued Contributor
Posts: 2,284
Registered: ‎07-23-2012
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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 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Regular Contributor
Posts: 242
Registered: ‎06-07-2011
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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
Posts: 2,857
Registered: ‎06-08-2012
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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
Posts: 1,115
Registered: ‎10-31-2011
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Re: 36 pt. difference in Walmart TU and myfico TU?

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

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Posts: 12,023
Registered: ‎12-30-2011
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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 04 561, TU 98 567, EX 98 599 (12/30/11)
Current Score: EQ 04 700, TU 04 731, EX 98 725 (05/24/15)
Goal Score: 700 on EQ 04 (01/01/16)


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