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Regular Contributor
Posts: 165
Registered: ‎04-04-2008
0

Bummed

So I was excited to see my TU score on here on 5 days ago was 624....then I got it from Walmarts free Fico TU score it's 594.. I knew it's different score models, one being TU 98 and one TU 04 or something..but dang.... 30 points!

Regular Contributor
Posts: 122
Registered: ‎07-23-2012
0

Re: Bummed

I haven't received my Walmart card yet, but I was worried about this exact thing also. I've had improvement the last two months and if there is a big differencee...I will be bummed too.

Established Contributor
Posts: 749
Registered: ‎10-04-2010
0

Re: Bummed


Target1212 wrote:

So I was excited to see my TU score on here on 5 days ago was 624....then I got it from Walmarts free Fico TU score it's 594.. I knew it's different score models, one being TU 98 and one TU 04 or something..but dang.... 30 points!


If it makes you feel better, not many lenders use the Walmart scoring model, which is the TU 08. You just need to find out what your TU 04 score is, which is what more lenders use :smileyhappy:

BK in 2008, after making very stupid financial decisions.

Barclay's Apple Financing Card ($6400) --- Capital One Quicksilver ($13,000)---GEMB CareCredit ($5700) --- AUFCU ($10000)--- Walmart ($5000)

FICO Scores: TU 735 EQ 709 EX 740 (Feb 2013, all pulled by lender)

Valued Contributor
Posts: 2,270
Registered: ‎07-23-2012
0

Re: Bummed

my walmart score is about 30 points higher then the one here.... 

so it goes both ways. 

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$6,400
Citi DC $10,000
Citizens Mastercard$7,000
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