Walmarts free fico score versus the rest....

[EmmyWannabeOrman]

Checked my free Walmart fico score and it's a 646 but my Equifax fico score purchased here is a 617 and my transunion fico score purchased here is 645, which should I go with? Walmart and myfico's fico score is a one point differential... Hmmm

[myjourney]

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@EmmyWannabeOrman wrote:
Checked my free Walmart fico score and it's a 646 but my Equifax fico score purchased here is a 617 and my transunion fico score purchased here is 645, which should I go with? Walmart and myfico's fico score is a one point differential... Hmmm

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3 different CB's 

Walmart is a TU score 

[EmmyWannabeOrman]

How come my Equifax score is so low? It has the same info as the Transunion's

[myjourney]

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@EmmyWannabeOrman wrote:
How come my Equifax score is so low? It has the same info as the Transunion's

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3 different CB's 3 different scoring algorithms 

We all hate it too

EQ throught time has always been my lowest score 

[mongstradamus]

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@myjourney wrote:

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@EmmyWannabeOrman wrote:
How come my Equifax score is so low? It has the same info as the Transunion's

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3 different CB's 3 different scoring algorithms 

We all hate it too

EQ throught time has always been my lowest score 

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mine is direct opposite my eq score is by far the highest by at least 20 points. Also the walmart and myfico TU scores are two different versions of TU. 

[EmmyWannabeOrman]

So which one "counts" more or matter to lenders?

[09Lexie]

They all 'count' different lenders use different CBs. They are all FICO scores and depending on which lender, it would depend on which version they will use.

You might want to review this thread:

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Difference-in-Scores/td-p/2384297

[kkapdolee]

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@EmmyWannabeOrman wrote:
Checked my free Walmart fico score and it's a 646 but my Equifax fico score purchased here is a 617 and my transunion fico score purchased here is 645, which should I go with? Walmart and myfico's fico score is a one point differential... Hmmm

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It's not three different CBs three different FICO scores. It's three different CBs 49 different FICO scores.

The one you pulled from Walmart is FICO 08 Classic and is relevant to majority of credit card applications these days.

The EQ from MyFICO is FICO 04 Classic, an older version. Thus, the difference. For mortgage, FICO 04 Classic is the one that matters.

The TU from MyFICO is FICO 98 Classic, an even older version that no one uses AFAIK.

I would argue that the two scores that matters the most are FICO 04 Classic (any of the three CBs, doesn't matter as long as your CRs look  the same) and FICO 08 Classic (any of the three CBs).

See my sig for more info.

[EmmyWannabeOrman]

Thank You so much. You're the credit wizard lol