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

Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012
Current Score: 4/2013 TU FICO 697, 02/2013 EQ 698 FICO (lender) 04/2013 674 Credit Sesame
NEW GOAL SCORE FOR 2013Breaking into the 700 club
[OLD GOALS: For now- 680 on all 3 = GOAL REACHED IN 02/2013}
Take the FICO Fitness Challenge
App Free since 2.8.13

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?

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Starting Score: EQ 546 EX 560 TU 568
Current Score: EQ 660 EX 590 TU 645
Goal Score: 700

Take the FICO Fitness Challenge

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.

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. 

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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. 

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That's right! I did see that.... 

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bmblbg wrote:

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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. 

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That's right! I did see that.... 

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

-scott

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rckstrscott wrote:

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bmblbg wrote:

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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. 

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That's right! I did see that.... 

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

 

-scott

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

+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?

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Starting Score: 504

Current Score: EQ FICO 819, TU08 778, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

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.