Regular Contributor
racer-x
Posts: 227
Registered: ‎09-16-2012
36 pt. difference in Walmart TU and myfico TU?

‎11-18-2012 04:43 PM

Recently obtained a Walmart credit card with a $700 limit.  Haven't used it yet. (month old)

I logged into my Walmart account and pulled the free TU score that Walmart offers.

It is 36 points lower than my TU here on myfico.  641 vs. 677.  My EQ is 702.  EX 674.

 

Seems like a large variance in the Walmat TU and myfico TU.  What gives?  Is that normal?

Starting Score 9/12: EQ 645 TU 641 EX 651
Current Score5/13: myFico EQ 702 Walmart TU 694 EX/Direct.com 716
Goal Score: 750
US Bank PLOC-$15K, CapOne/HSBC Visa-$15k, US Bank Visa- $10k, DCU Visa-$10k, USAA Visa-$6k, CapOne Visa-$5k, GECU-$3500, Discover IT-$1875, Lowes-$1650, Walmart-$1600, BoA Visa-$1500, Paypal Xtras MC-$1500, US Bank RLOC-$750

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Established Contributor
dodgerslv
Posts: 800
Registered: ‎06-16-2012
Re: 36 pt. difference in Walmart TU and myfico TU?

‎11-18-2012 04:49 PM

racer-x wrote:

Recently obtained a Walmart credit card with a $700 limit.  Haven't used it yet. (month old)

I logged into my Walmart account and pulled the free TU score that Walmart offers.

It is 36 points lower than my TU here on myfico.  641 vs. 677.  My EQ is 702.  EX 674.

 

Seems like a large variance in the Walmat TU and myfico TU.  What gives?  Is that normal?

same scenario here except with me is the other way around Walmart TU has me at 694 and MyFico has me at 648....i think one of them is TU98 version while the other is a different one...maybe someone can give is more info on that...

BofA BB (7000) BofA 123 (7000) Chase Marriott (5000) Cap1 (3500) US Bank Flex (3000) Amex BCP/Costco (2000) Citi Simple (2000) Discover (1500) Amex Green NPSL

EX Plus 728 EQ Fico 707 TU Fico 712 (05/13)
In the garden.




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Valued Contributor
Duncanrr
Posts: 2,500
Registered: ‎06-08-2012
Re: 36 pt. difference in Walmart TU and myfico TU?

‎11-18-2012 04:50 PM

They use different versions of TU. Walmart is TU08 and MyFICO is the older TU04.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 678 TU 702 (Amex pull) EX 724 (Amex) CK 682 (FAKO-EX 684, EQ 684, TU 684)
Goal Score: 750
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Established Contributor
dodgerslv
Posts: 800
Registered: ‎06-16-2012
Re: 36 pt. difference in Walmart TU and myfico TU?

‎11-18-2012 04:52 PM

Duncanrr wrote:
They use different versions of TU. Walmart is TU08 and MyFICO is the older TU04.

ok...thanks for the info Duncanrr....:smileyhappy:

BofA BB (7000) BofA 123 (7000) Chase Marriott (5000) Cap1 (3500) US Bank Flex (3000) Amex BCP/Costco (2000) Citi Simple (2000) Discover (1500) Amex Green NPSL

EX Plus 728 EQ Fico 707 TU Fico 712 (05/13)
In the garden.




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Regular Contributor
racer-x
Posts: 227
Registered: ‎09-16-2012
Re: 36 pt. difference in Walmart TU and myfico TU?

‎11-18-2012 05:11 PM

So which is more accurate or more reliable?  Please say myfico...lol.

Also, I just paid $19.95 for my most current TU here on myfico....684...it's gone up 7 pts. in the past 2 wks.

Now my TU varies 43 pts. between Walmart TU and myfico TU.

 

I hated to spend the $19.95, but that would've been buggin' the heck out of me all night.  $20 for peace of mind I guess.

Starting Score 9/12: EQ 645 TU 641 EX 651
Current Score5/13: myFico EQ 702 Walmart TU 694 EX/Direct.com 716
Goal Score: 750
US Bank PLOC-$15K, CapOne/HSBC Visa-$15k, US Bank Visa- $10k, DCU Visa-$10k, USAA Visa-$6k, CapOne Visa-$5k, GECU-$3500, Discover IT-$1875, Lowes-$1650, Walmart-$1600, BoA Visa-$1500, Paypal Xtras MC-$1500, US Bank RLOC-$750

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Valued Contributor
creditnocash
Posts: 1,922
Registered: ‎07-23-2012
Re: 36 pt. difference in Walmart TU and myfico TU?

‎11-18-2012 05:36 PM

racer-x wrote:

So which is more accurate or more reliable?  Please say myfico...lol.

Also, I just paid $19.95 for my most current TU here on myfico....684...it's gone up 7 pts. in the past 2 wks.

Now my TU varies 43 pts. between Walmart TU and myfico TU.

 

I hated to spend the $19.95, but that would've been buggin' the heck out of me all night.  $20 for peace of mind I guess.

they are  both accurate...

they are both FICO scores but use different formulas to calculate score 

 

my tu walmart score was 743 while on here it sits at 690

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
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Regular Contributor
dude11
Posts: 223
Registered: ‎06-07-2011
Re: 36 pt. difference in Walmart TU and myfico TU?

‎11-18-2012 05:37 PM

Duncanrr wrote:
They use different versions of TU. Walmart is TU08 and MyFICO is the older TU04.

I thought myfico TU here is 98?

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Valued Contributor
Duncanrr
Posts: 2,500
Registered: ‎06-08-2012
Re: 36 pt. difference in Walmart TU and myfico TU?

‎11-18-2012 05:46 PM

you might be right. I just know the one here is the older version.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 678 TU 702 (Amex pull) EX 724 (Amex) CK 682 (FAKO-EX 684, EQ 684, TU 684)
Goal Score: 750
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Valued Contributor
beb86
Posts: 1,114
Registered: ‎10-31-2011
Re: 36 pt. difference in Walmart TU and myfico TU?

‎11-18-2012 05:56 PM

walmart is TU08, lenders pull TU04, and myFICO is TU98

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Moderator
Moderator
Revelate
Posts: 4,298
Registered: ‎12-30-2011
Re: 36 pt. difference in Walmart TU and myfico TU?

‎11-20-2012 07:57 AM

beb86 wrote:

walmart is TU08, lenders pull TU04, and myFICO is TU98

Mortgage lenders pull TU04 (guarunteed atm); however, everyone else is free to use whatever version they want and it's a challenge to tell what particular version was used unfortunately.  

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 660, Wally TU 697, EX unknown (05/13/13)
Goal Score: 680 in all three (01/01/14)

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