Transunion FICO SCORE from myFICO

[CashOnDelivery]

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@jayrock24 wrote:

my fico says your tu fico is 770 but walmart says 749 and credit karma says 736 im lost as to which of these should i go by and by the way my scores are up 100 points or so thanks to my fico and the advice of all of you guys so thanks  but why the difference in scores anyone know

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The score from Credit Karma is not a FICO, so I wouldn't put any value on their score other than "educational purposes" as stated in their website. Regardless, 749 or 770 is still a very good score.

[thom02099]

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@CashOnDelivery wrote:

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@jayrock24 wrote:

my fico says your tu fico is 770 but walmart says 749 and credit karma says 736 im lost as to which of these should i go by and by the way my scores are up 100 points or so thanks to my fico and the advice of all of you guys so thanks  but why the difference in scores anyone know

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The score from Credit Karma is not a FICO, so I wouldn't put any value on their score other than "educational purposes" as stated in their website. Regardless, 749 or 770 is still a very good score.

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+1 !  Yup, darned good score! Congrats on 100 point increase!

The differences between the TU score here and the WalMart score are due to the different models.  TU98 here versus TU08 from WalMart.  Which score should you go by?  Depends on the reason.  If you're applying for credit, you'll likely get the 3rd model in the mix, the TU04, which is what most lenders pull.  If you're wanting to know whcih one for simple knowledge purposes...use both!  They're both correct for what they are. 

[jayrock24]

thanks for the kind words everyone and also thanks for explaining the different models now i get it makes sence now