topic Re: how can i get 2 different scores from the same site, on the same day???? in Understanding FICO® Scoring

how can i get 2 different scores from the same site, on the same day????

Anonymous — Fri, 06 Jan 2012 20:43:10 GMT

So if you have a Walmart Discover card, you can get your FICO score for free. I checked and it said my score was 683. I also have score watch here on myFICO and it says my score is 636?!?!?! **bleep**, how can the same site have 2 different scores for me???

Re: how can i get 2 different scores from the same site, on the same day????

Anonymous — Fri, 06 Jan 2012 20:45:56 GMT

A different scoring model was used for your Walmart score. The score from myfico.com is the most accurate. Check out the threads here about Vantage Scores and Scoring Models.

Re: how can i get 2 different scores from the same site, on the same day????

GregB — Fri, 06 Jan 2012 20:46:27 GMT

"Same site" ?????

I don't see anything the same between Walmart and myFICO. What are you thinking is the same?

Re: how can i get 2 different scores from the same site, on the same day????

Anonymous — Fri, 06 Jan 2012 21:13:07 GMT

when you sign up for e statements on Walmarts Discover card, it gives the option to see your score, when you click on it you are taken to myFICO...same site...just different ways of accessing.

Re: how can i get 2 different scores from the same site, on the same day????

Anonymous — Fri, 06 Jan 2012 21:27:38 GMT

@Anonymous wrote:
when you sign up for e statements on Walmarts Discover card, it gives the option to see your score, when you click on it you are taken to myFICO...same site...just different ways of accessing.

This is the first time I've seen this posted. I'm curious if this is the same experience for anyone else.

But I can tell you that the scores are different because here at myFICO you get the older version of Transunion called TU98 whereas the Transunion score you get from Walmart is the newer TU08.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Re: how can i get 2 different scores from the same site, on the same day????

Anonymous — Fri, 06 Jan 2012 21:30:00 GMT

@Anonymous wrote:
A different scoring model was used for your Walmart score. The score from myfico.com is the most accurate. Check out the threads here about Vantage Scores and Scoring Models.

I'm not sure how you quantify which is more accurate. The score here is the older TU98 and Walmart gives you the newer TU08.

Re: how can i get 2 different scores from the same site, on the same day????

GregB — Fri, 06 Jan 2012 21:33:06 GMT

@Anonymous wrote:
when you sign up for e statements on Walmarts Discover card, it gives the option to see your score, when you click on it you are taken to myFICO...same site...just different ways of accessing.

I see.

myFICO Scorewatch is EQ FICO. TU FICO is also offered at myFICO. Is it showing that score?

If they are both EQ, then it would pretty much have to be on different dates. Are you saying that if you have Walmart's Discover that you automatically get a FICO score with each statement?

Re: how can i get 2 different scores from the same site, on the same day????

Anonymous — Fri, 06 Jan 2012 21:33:21 GMT

Thanks for informing me of that MarineVet. I didn't know that until now. Thanks again.

Re: how can i get 2 different scores from the same site, on the same day????

Anonymous — Fri, 06 Jan 2012 21:33:46 GMT

So the one from the walmart link is newer? I thought when you had score watch it was supposed to be the most accurate

Re: how can i get 2 different scores from the same site, on the same day????

Anonymous — Fri, 06 Jan 2012 21:34:44 GMT

It says I can access the score once a month so I assume that would be correct. I just got this card last month.

Re: how can i get 2 different scores from the same site, on the same day????

Anonymous — Fri, 06 Jan 2012 21:37:24 GMT

After seeing Greg's post I checked again and it appears that Walmart is using TU and then my Score Watch is looking at EQ. That makes more sense now...Thank you for clearing that up...I still don't like the 50 point difference though.

Re: how can i get 2 different scores from the same site, on the same day????

GregB — Fri, 06 Jan 2012 21:39:04 GMT

Scorewatch is EQ FICO.

myFICO also offers a TU FICO, which is TU FICO 98.

MVV's post is about a TU FICO that is available with certain Walmart CCs. I don't think that is Walmart Discover - and you are saying it is taking you to myFICO, which seems different than the monthly score provided with Walmart CC. Sounds like it might be two different products.

Edited to add: Looks like you figured it out while I was typing.

Re: how can i get 2 different scores from the same site, on the same day????

Anonymous — Fri, 06 Jan 2012 21:41:33 GMT

@Anonymous wrote:
So the one from the walmart link is newer? I thought when you had score watch it was supposed to be the most accurate

As GregB said ScoreWatch only has the Equifax score. ScoreWatch does offer a Equifax Beacon 5.0 score that is very accurate but the score you get from Walmart is a Transunion score. The two scores are not the same.

I'm not sure what you are seeing.

ETA: Yep I was too slow typing myself. I'm glad you got it figured out.

Re: how can i get 2 different scores from the same site, on the same day????

Anonymous — Fri, 06 Jan 2012 21:47:09 GMT

I have the Walmart store card (which - as stated - provides TU08 FICO Scores). On the same page which shows your FICO score, there are links which bring you here to myfico.com. Nice!