Regular Contributor
Target1212
Posts: 165
Registered: ‎04-04-2008
Bummed

So I was excited to see my TU score on here on 5 days ago was 624....then I got it from Walmarts free Fico TU score it's 594.. I knew it's different score models, one being TU 98 and one TU 04 or something..but dang.... 30 points!

Regular Contributor
sbeasl11
Posts: 122
Registered: ‎07-23-2012
Re: Bummed

I haven't received my Walmart card yet, but I was worried about this exact thing also. I've had improvement the last two months and if there is a big differencee...I will be bummed too.

Established Contributor
aussiesareforever
Posts: 739
Registered: ‎10-04-2010
Re: Bummed

Target1212 wrote:

So I was excited to see my TU score on here on 5 days ago was 624....then I got it from Walmarts free Fico TU score it's 594.. I knew it's different score models, one being TU 98 and one TU 04 or something..but dang.... 30 points!


If it makes you feel better, not many lenders use the Walmart scoring model, which is the TU 08. You just need to find out what your TU 04 score is, which is what more lenders use :smileyhappy:

BK in 2008, after making very stupid financial decisions.

Barclay's Apple Financing Card ($6400) --- Capital One Quicksilver ($10,000)---GEMB CareCredit ($5700) --- AUFCU ($10000)--- Walmart ($5000)

FICO Scores: TU 735 EQ 709 EX 740 (Feb 2013, all pulled by lender)

Valued Contributor
creditnocash
Posts: 2,175
Registered: ‎07-23-2012
Re: Bummed

my walmart score is about 30 points higher then the one here.... 

so it goes both ways. 

Current: EQ 735 Discover 9/5/13 Walmart TU 730 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: 31k+

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000