Understanding FICO® Scoring

[eaglesilas]

 pulled my score from Transunion today....734

but my walmart shows 684..

witch one is the right one????

[Duncanrr]

They both are if you got the TU score from here. They are different versions of official TU scores.

[Simply827]

Walmart FICO is model TU08. MyFico FICO is TU98. They're two different models, but both right. Btw, most lenders pull TU04, so you could have yet another possible TU score.

[eaglesilas]

pulled direct from transunion side.

[Duncanrr]

TU site is ironically a fako score.

[dodgerslv]

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Duncanrr wrote:
TU site is ironically a fako score.

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It is because i have memebership with transunion.com and there scoring ranges from 500-990. They base it off the "Vantage" Scoring model.

[dddewdrop]

ya you are getting a fako score. it is the TU vantage score. The giveaway is that they told you and also that they said the range is to 990. This is the same score that creditkarma will furnish you with. Scores from the CRAs are not always FICO scores. The other CRAs offer similar products. For a real FICO score make sure it says FICO.

[dddewdrop]

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Simply827 wrote:

Walmart FICO is model TU08. MyFico FICO is TU98. They're two different models, but both right. Btw, most lenders pull TU04, so you could have yet another possible TU score.

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this is exactly right