##### WalMart score vs FICO

01-25-2013 12:49 PM

I see here on the boards often that you can get your free FICO with a WalMart card. I applied and received a denial letter- and the score (from T.U. Consumer Relations) was 198 points lower than the score myFICO gives me. So I guess my question is- if in the future I decide to apply again, is the score received by those who actually *have* the card different than the one utilized for a credit pull? Having a TU score on myFICO of 611, the last thing I expected to see on my denial was a 413!!

***6-13-13: TU 558 EQ 642 EX (yay to MyFICO for no more FAKO!!) 620***

5-31-13: TU 558 EQ 642 EX FAKO 643 * 1-24-13: TU 611 EQ 621 EX FAKO 643 * 1-21-13: TU 513 EQ 621 EX FAKO 643 * 1-3-13: TU 513 EQ 583 EX FAKO 643 * 1-1-13: EQ 568 EX FAKO 643 TU 513 * 12-22-12: EQ 558 EX FAKO 586 TU 525 * 11-15-12: EQ 554 EX FAKO 565 * 9-9-12: EQ 525 EX FAKO 574 TU (Lender pull-auto) 433

##### Re: WalMart score vs FICO

01-25-2013 12:52 PM

:-O! This is the first time Ive heard of something like this. I'm interested to see what ppl know.....

**526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012**

Current Score: 705 FICO TU (10/2014)Take the FICO Fitness Challenge

##### Re: WalMart score vs FICO

01-25-2013 12:54 PM

I, too, just recently encountered the same thing with Walmart. THEIR scoring system showed me at 394 when my FICO shows TU at 641!

My question is...the people who are getting approved, what is their Walmart score?

Starting Score:

**EQ 546 EX 560 TU 568**

Current Score:

**EQ 703 EX 718 TU 715**

Goal Score:

**750**

Take the FICO Fitness Challenge

##### Re: WalMart score vs FICO

01-25-2013 01:44 PM

Walmart uses the FICO 08, which is a newer scoring model than the FICO 04 that most lenders use. The TU model you pull from here is a TU98 model.

The difference it seems from most peoples TU 98 vs TU 04 seems to be +/- 20 points. I guess for some people the difference from TU 98 here and Walmart 08 seems to be vast.

##### Re: WalMart score vs FICO

01-25-2013 05:21 PM

SE7EN57 wrote:The score they sent you in the mail is not a Fico score. If you noticed on the paper they gave you the highest score only goes up to around 620 or so.

That's right! I did see that....

***6-13-13: TU 558 EQ 642 EX (yay to MyFICO for no more FAKO!!) 620***

5-31-13: TU 558 EQ 642 EX FAKO 643 * 1-24-13: TU 611 EQ 621 EX FAKO 643 * 1-21-13: TU 513 EQ 621 EX FAKO 643 * 1-3-13: TU 513 EQ 583 EX FAKO 643 * 1-1-13: EQ 568 EX FAKO 643 TU 513 * 12-22-12: EQ 558 EX FAKO 586 TU 525 * 11-15-12: EQ 554 EX FAKO 565 * 9-9-12: EQ 525 EX FAKO 574 TU (Lender pull-auto) 433

##### Re: WalMart score vs FICO

01-25-2013 07:24 PM

bmblbg wrote:

SE7EN57 wrote:The score they sent you in the mail is not a Fico score. If you noticed on the paper they gave you the highest score only goes up to around 620 or so.

That's right! I did see that....

the monthly score they provide you is a FICO -- the score they rate you on for approval is proprietory.. different scores, different scenerios..

-scott

**Starting FICO Score**:

**10/10: TU 498 | EQ: 502**

**Current FICO Score(lender pull)**:

**09/14: TU: 784 | EQ: 752 | EX: 784**

**Collections Removed:**Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems

**Other Negative Entries Removed:**Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession

**Positive Accounts:10/10: 0 | 07/12: 6 |**Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX

##### Re: WalMart score vs FICO

01-25-2013 09:33 PM

rckstrscott wrote:

bmblbg wrote:

SE7EN57 wrote:The score they sent you in the mail is not a Fico score. If you noticed on the paper they gave you the highest score only goes up to around 620 or so.

That's right! I did see that....

the monthly score they provide you is a FICO -- the score they rate you on for approval is proprietory.. different scores, different scenerios..

-scott

I want to say that propriety score is used throughout GE products

##### Re: WalMart score vs FICO

01-26-2013 06:08 AM

+1 Scott and beb. GE uses their own system. No idea what it is, could be they take your Fico, then throw in their calculations and algorithms. But don't get discouraged, keep working on getting your CR healthy! Also did you try to recon them?

Starting Score:

**504**

July 2013 score:

**EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013**

Goal Score:

**All Scores 760+, Newest goal 800+**

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013

EQ:809 TU 777 EX 790 Now it's just garden time!

##### Re: WalMart score vs FICO

01-26-2013 09:48 AM

I didn't try recon yet- I was panicked about what my actual true score was. But- now that all the confusion has settled on this one, I think I should give it a shot.

***6-13-13: TU 558 EQ 642 EX (yay to MyFICO for no more FAKO!!) 620***

5-31-13: TU 558 EQ 642 EX FAKO 643 * 1-24-13: TU 611 EQ 621 EX FAKO 643 * 1-21-13: TU 513 EQ 621 EX FAKO 643 * 1-3-13: TU 513 EQ 583 EX FAKO 643 * 1-1-13: EQ 568 EX FAKO 643 TU 513 * 12-22-12: EQ 558 EX FAKO 586 TU 525 * 11-15-12: EQ 554 EX FAKO 565 * 9-9-12: EQ 525 EX FAKO 574 TU (Lender pull-auto) 433