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TRANSUNION SCORE COMPARED TO FICO SCORE

Frequent Contributor

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??

Message 1 of 10
9 REPLIES
Epic Contributor

Re: TRANSUNION SCORE COMPARED TO FICO SCORE

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.

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Frequent Contributor

Re: TRANSUNION SCORE COMPARED TO FICO SCORE

What is TU08?
Message 3 of 10
Epic Contributor

Re: TRANSUNION SCORE COMPARED TO FICO SCORE

Message 4 of 10
Frequent Contributor

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.
Message 5 of 10
Moderator Emeritus

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.

Message 6 of 10
Frequent Contributor

Re: TRANSUNION SCORE COMPARED TO FICO SCORE

I'm waiting on my Walmart card to arrive so I can check the TU score.
Message 7 of 10
Established Contributor

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.

Message 8 of 10
Valued Contributor

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 778 EQ 776 EX 781 Last Update 4/2016
Garden Club 04/10/2013
Message 9 of 10
Established Member

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


Message 10 of 10