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.

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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!

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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

Barclay's Apple Financing Card ($6400) --- Capital One Cash Rewards World Card ($6000) ---GEMB CareCredit ($5700) --- AU FCU ($6000)--- Walmart ($5000)


FICO Scores: TU 735 EQ 695 EX 740 (Feb 2013, all pulled by lender)

Mortgage in 2013- So help me God!

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

so it goes both ways. 

Current: EQ FICO 690, TU FICO 692, Walmart TU 737 EX FICO 726 Amex Pull(1/1/13) Starting total revolving credit: $2600 | Current total revolving credit: $21,600 Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012

2013 Goals: Freedom Signature Costco:True Earnings

Amex Zync(Unicorn) Chase Freedom$1500 Citizens Mastercard$5000