07-26-2013 11:43 AM
I have been an long time lurker in the forums, been learning an lot try to resurrect my credit. I was looking at transunion fico scores i got from walmart seemed kind of low compared to my equifax fico, so i decided to buy the TU fico score from myfico. How come there is such an discrepency from the two TU fico scores. I thought ten points would be as much as they would differ, but when i checked my scores the walmart TU fico and myfico TU fico differed by over 110 points how is that possible? Which TU fico is closer to the ones that most lenders/cc use?
07-26-2013 01:45 PM
Wow, I think that is the biggest difference I have seen.
I know Walmart uses the 08, which is beginning to be used a lot but not as much as 04 version. Here it is the 98 version.
Which was higher?
07-26-2013 01:57 PM
walmart, whom uses an 08 version, is an lot lower. I think the problem they said i had was not enough accounts open. The one that myfico sells TU score also showed that i had not enough credit accounts open, but they didn't seem to punish me as badly for that. I was shocked when i saw the two scores, and their differentials.
I also checked my usaa monitoring account , i know they gave you an fako score, but it was much closer to the my fico tu fico score. I guess i will just have to be patient and pay everything and garden ?
07-26-2013 09:33 PM
I too have never seen that much of a difference in FICO versions. I'm going to write this one down for future references.
07-27-2013 09:38 AM
I was looking over my credit report , I am thinking maybe one version reports the au accounts , and the other one doesn't could that be why the huge discrepancies?
07-27-2013 09:42 AM - edited 07-27-2013 09:43 AM
07-27-2013 09:45 AM
well , i am at an loss at why the huge discrepncies, i just checked the walmart fico score again. I thought maybe i misread the numbers, but i was correct the first time. Still an huge difference. The only reason i thought about the AU being an factor was the fact that they stated reason for low score was not enough open accounts.
07-27-2013 10:26 AM
07-30-2013 06:14 PM
My scores are different too
MyFico TU98 - 690
Walmart TU08 - 600
almost 90 points, I'm curious to see how what my TU04 score would be
For me they were saying I didn't have enough accounts reporting. I think I have four or five accounts reporting ,but two are au maybe that has something to do with it. I am not sure to be honest.
These responses are not provided or commissioned by FICO. Responses have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.