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Frequent Contributor
HYPASS33
Posts: 326
Registered: ‎04-08-2013

TRANSUNION SCORE COMPARED TO FICO SCORE

I did my transunion score today on their website and it was 732 so I got excited and went to MYFICO and pulled it as well because most lenders pull fico and it was 632. That is just crazy that there is that big of gap between the two. Does Walmart and Discover use the FICO when applying??

Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008

Re: TRANSUNION SCORE COMPARED TO FICO SCORE

[ Edited ]

Walmart and Discover use a FICO score, just different models.  I think Discover uses a Bankcard Enhanced FICO, not sure which Walmart uses.

 

ETA:  Walmart uses TU08.

Frequent Contributor
HYPASS33
Posts: 326
Registered: ‎04-08-2013

Re: TRANSUNION SCORE COMPARED TO FICO SCORE

What is TU08?
Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008

Re: TRANSUNION SCORE COMPARED TO FICO SCORE

Frequent Contributor
HYPASS33
Posts: 326
Registered: ‎04-08-2013

Re: TRANSUNION SCORE COMPARED TO FICO SCORE

Is there a online site you can get your TU08 score? Just curious to see how close the 732 score is from TU site is to being real.
Moderator Emeritus
llecs
Posts: 32,880
Registered: ‎08-04-2007

Re: TRANSUNION SCORE COMPARED TO FICO SCORE


HYPASS33 wrote:
Is there a online site you can get your TU08 score? Just curious to see how close the 732 score is from TU site is to being real.

Aside from a lender, you can only pull a TU08 from WalMart if you have their CC and a cc-enhanced TU08 from Merrick Bank if you have their CC.

Frequent Contributor
HYPASS33
Posts: 326
Registered: ‎04-08-2013

Re: TRANSUNION SCORE COMPARED TO FICO SCORE

I'm waiting on my Walmart card to arrive so I can check the TU score.
Established Contributor
foofighter74
Posts: 825
Registered: ‎12-09-2012

Re: TRANSUNION SCORE COMPARED TO FICO SCORE

My walmart credit score hasn't been updated since the April 3rd score - which showed up much later in the month of April.  However, my lender-pulled TU04 score has always been higher than the transunion score offered by Walmart.

Valued Contributor
asphaltcowboy
Posts: 1,111
Registered: ‎02-03-2013

Re: TRANSUNION SCORE COMPARED TO FICO SCORE


HYPASS33 wrote:
I'm waiting on my Walmart card to arrive so I can check the TU score.

I believe if you set up your account and take paperless billing you get the free TU report every month, I don't have a Wally card,

but have read many post about it, hope this helps




Starting Score TU 667 EQ 663 EX 655
Current Score TU 694 EQ 692 EX 696 Last Update 8/2013
Garden Club 04/10/2013 (Goal 2015 or Longer)




Established Member
Cirnite
Posts: 19
Registered: ‎08-24-2012

Re: TRANSUNION SCORE COMPARED TO FICO SCORE

The vaiance in scoring between Transunion and FICO is that Transunion is utilizing the Vantage score which ranges from 500 to 990 whereas FICO is 300 to 850.


Starting Score: 536 CK (07/11); 610 EQ Fico (08/12)
Current Score: 714 EQ FICO; 700 TU FICO; 727 Walmart TU; 716 EX FICO (07/11/13)
Goal Score: 720 FICO across the board



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