Reply
Established Member
gmac11
Posts: 18
Registered: ‎11-23-2012

Walmart TU 612 vs My Fico TU 685

Should these be this far off

Starting Scores 11/2012
EX 521 EQ 559 TU552

8/1/2013
EX 544 EQ 637 TU 685
Senior Contributor
mongstradamus
Posts: 3,762
Registered: ‎06-19-2013

Re: Walmart TU 612 vs My Fico TU 685


gmac11 wrote:

Should these be this far off


my TU myfico and Walmart have been over 100 points apart before, so it can be that far off :-(



EX Fico 770 5/12/2014 Fako 806 CS/Credit.com 7/23/14
EQ SW 807 quizzle fako 796 7/19/14
TU Fico 804 7/24/2014 Fako 751 Creditkarma 7/12/2014
Established Member
gmac11
Posts: 18
Registered: ‎11-23-2012

Re: Walmart TU 612 vs My Fico TU 685

Which one is what lenders see as more real?

Would Walmart use their score to consider a CLI?

Starting Scores 11/2012
EX 521 EQ 559 TU552

8/1/2013
EX 544 EQ 637 TU 685
Regular Contributor
tdrjustus3
Posts: 193
Registered: ‎05-23-2007

Re: Walmart TU 612 vs My Fico TU 685


gmac11 wrote:

Should these be this far off


Mine are 49 points off...666 (Walmart) and 617 (TU Fico).  They are different versions.  My Walmart TU Score is closer to what my mortgage lender pulled a few months ago.



No apps until 8/2014
March 2013 Starting FICO Score: EQ: 584 TU: 564 EX: ??
August 2013 Current FICO Scores: EQ:664 EX:684 Walmart TU: 666
Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008

Re: Walmart TU 612 vs My Fico TU 685


gmac11 wrote:

Which one is what lenders see as more real?

Would Walmart use their score to consider a CLI?


Lenders don't use either of those model/versions.

 

Both of the scores you have are real for the version/model they are.  The one from myFICO is TU98 the one from Walmart is the 08 model, probably the CC enhanced version.

 

Your scores from model to model can vary just a little or a lot.  Everything depends on your credit profile.

Frequent Contributor
unc0mm0n1
Posts: 398
Registered: ‎03-05-2013

Re: Walmart TU 612 vs My Fico TU 685

So it sounds like you're saying the TU score on here or with Walmart are both Fakos?

Last App December 7, 2013. Gardening until May 20, 2014
Current Score: 720 EX 714 EQ 712 TU 12/10/2013Goal Score: 720 across the board
Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008

Re: Walmart TU 612 vs My Fico TU 685


unc0mm0n1 wrote:

So it sounds like you're saying the TU score on here or with Walmart are both Fakos?


No that is not what I am saying at all.  Both of the scores are real FICO scores.  Just not the same ones used by mortgage lenders.

 

There are over 49 different models/versions of FICO scores.

Frequent Contributor
tonyjones
Posts: 461
Registered: ‎04-22-2013

Re: Walmart TU 612 vs My Fico TU 685

Mine is way off too.

 

MyFico TU = 670

Walmart TU = 632


Gardening Since July 2014
     
Frequent Contributor
mtrsprt
Posts: 307
Registered: ‎07-27-2011

Re: Walmart TU 612 vs My Fico TU 685

My Walmart FICO and TU FICO here are always within 4-5 points of eachother.


Starting Score: 521 TU, 597 EQ, 574 EX on 6/20/2011
Current Score: 718 TU, 698 EQ, 705 EX on 6/07/2014
Goal Score: 720-740 Across the board


Take the FICO Fitness Challenge
Frequent Contributor
SuperKirby
Posts: 465
Registered: ‎02-08-2013

Re: Walmart TU 612 vs My Fico TU 685

[ Edited ]

edited...found my answer...

     

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+