Walmart uses TU08, MyFico uses TU98 which is an older version (one that almost no lenders use). This would be the reason for the score difference. The two versions weigh things differently.
Hope this helps!
Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart: 1300CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 1000CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
