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!!