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Established Member
Posts: 18
Registered: ‎11-23-2012
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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
Super Contributor
Posts: 8,690
Registered: ‎06-19-2013
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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 791 1/7/15 Fako 801 CS/Credit.com 11/24/14
EQ SW bank enhanced 2/27/15 808 CK fako 807 2/7/15
TU Fico Barclay's 3/26/15 791 TU fico walmart 3/23/2015 788 Fako 808 Creditkarma 3/23/15
Established Member
Posts: 18
Registered: ‎11-23-2012
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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
Posts: 193
Registered: ‎05-23-2007
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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
Posts: 22,406
Registered: ‎01-17-2008
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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
Posts: 451
Registered: ‎03-05-2013
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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
Posts: 22,406
Registered: ‎01-17-2008
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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.

Established Contributor
Posts: 896
Registered: ‎04-22-2013
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Re: Walmart TU 612 vs My Fico TU 685

Mine is way off too.

 

MyFico TU = 670

Walmart TU = 632


Gardening from July 2014 ... to September 2016
      
Frequent Contributor
Posts: 340
Registered: ‎07-27-2011
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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: 753 TU, 764 EQ, 766 EX on 02/17/2014
Goal Score: 720-740 Across the board


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Frequent Contributor
Posts: 498
Registered: ‎02-08-2013
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Re: Walmart TU 612 vs My Fico TU 685

[ Edited ]

edited...found my answer...

     
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