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How to get ALL 3 FICO Scores?

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MarineVietVet
Moderator Emeritus

Re: How to get ALL 3 FICO Scores?


@ckinninger wrote:

To Recap, this would be the optimal for true and not fako scores:

 

Equifax FICO Score = MyFico
Experian FICO Score = PSECU 
Transunion FICO Score (TU04) = Walmart CC holders


We know that Walmart offers a TU FICO but we are still not sure at this time what version it is.

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Message 21 of 25
llecs
Moderator Emeritus

Re: How to get ALL 3 FICO Scores?


@MarineVietVet wrote:

@ckinninger wrote:

To Recap, this would be the optimal for true and not fako scores:

 

Equifax FICO Score = MyFico
Experian FICO Score = PSECU 
Transunion FICO Score (TU04) = Walmart CC holders


We know that Walmart offers a TU FICO but we are still not sure at this time what version it is.


Ditto. When I first saw it my vote was for a bankcard-enhanced FICO just like what was called the PFICO offered by WaMu in the day or the same CC-enhanced FICO score offered now through Sears/HSBC. Or maybe it is a NextGen FICO like WalMart uses in considering approvals. Maybe it is a Classic score. We know it isn't a TU98, but that's all we know.

Message 22 of 25
ckinninger
Established Member

Re: How to get ALL 3 FICO Scores?

Thanks for your clarification.  I didn't mean to state those as fact.  

 

I couldn't use another account on my CR.  I could live, not too happy about it, with a hard pull for the Walmart card.  So I called to ask if the Walmart Business card for sole proprieter offered the FICO benefit and two CSR's said no.  I guess I'm out of the running for this card's FICO benefit until some accounts drop off my CR.

 

If anyone wants to pm me a tip for PSECU eligibility I'd be appreciative.

 

Thanks again.

EX FICO 08: 809 (8/14/13)
EQ FICO: 810 (9/1/13)
TU FICO TU98: 819 (7/19/13)
STARTING EQ FICO: 763 (8/15/11)
Message 23 of 25
-Cain-
Valued Contributor

Re: How to get ALL 3 FICO Scores?

Yes, yes, and maybe. I don't know if the WalMart score has been confirmed as TU04, just that it is a FICO. For free, it can't be beat though.
Message 24 of 25
-Cain-
Valued Contributor

Re: How to get ALL 3 FICO Scores?

Whoops, guess I was a bit late on that!
Message 25 of 25
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