Contributor
bmblbg
Posts: 140
Registered: ‎01-01-2013
WalMart score vs FICO

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!!

***9-4-13: TU 602 EQ 663 EX 626***
***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