topic Re: Barclay's FICO vs Walmart's?? in Understanding FICO® Scoring

Barclay's FICO vs Walmart's??

sunshine7624 — Sun, 14 Jun 2015 21:54:27 GMT

Sorry if this is a repeat topic but with the free FICO scores that Barclay and Walmart give when you have a card with them, why are they different? My Barclays FICO score for May was 704 but the FICO Walmart provided for May was 666 and both are pulled/posted around the same time of the month (I'm guessing?) Aren't they both the Transunion scores? Just wondering if anyone has noticed the same thing and/or what's reasoning behind it.

Re: Barclay's FICO vs Walmart's??

Revelate — Sun, 14 Jun 2015 22:36:00 GMT

@aqualuv74 wrote:
Sorry if this is a repeat topic but with the free FICO scores that Barclay and Walmart give when you have a card with them, why are they different? My Barclays FICO score for May was 704 but the FICO Walmart provided for May was 666 and both are pulled/posted around the same time of the month (I'm guessing?) Aren't they both the Transunion scores? Just wondering if anyone has noticed the same thing and/or what's reasoning behind it.

They are identical models; something may have changed or there might be some oddity like we see in some people's reports here. There should be dates on both pulls in the interfaces.

Re: Barclay's FICO vs Walmart's??

sunshine7624 — Mon, 15 Jun 2015 00:42:53 GMT

Yes the date for the Walmart score was May 4 and the date for the Barclays report is May 6. Even the history is different, like for April the Walmart score was 664 and the Barclay score was 670, a little closer for April but still different nonetheless.

Re: Barclay's FICO vs Walmart's??

Revelate — Mon, 15 Jun 2015 02:59:14 GMT

@aqualuv74 wrote:
Yes the date for the Walmart score was May 4 and the date for the Barclays report is May 6. Even the history is different, like for April the Walmart score was 664 and the Barclay score was 670, a little closer for April but still different nonetheless.

You generally only get a Barclay's score if you get a non-trivial change I believe, in which case it's likely something changed to trigger the score report there. For me and others they've been identical and they're supposed to be from the TU product perspective... how stable is your report?

Re: Barclay's FICO vs Walmart's??

Anonymous — Mon, 15 Jun 2015 03:04:58 GMT

@Revelate wrote:
@aqualuv74 wrote:
Yes the date for the Walmart score was May 4 and the date for the Barclays report is May 6. Even the history is different, like for April the Walmart score was 664 and the Barclay score was 670, a little closer for April but still different nonetheless.
You generally only get a Barclay's score if you get a non-trivial change I believe, in which case it's likely something changed to trigger the score report there. For me and others they've been identical and they're supposed to be from the TU product perspective... how stable is your report?

my best friend gets both and they tend to match myFICO on the day they are pulled.

Re: Barclay's FICO vs Walmart's??

sunshine7624 — Wed, 17 Jun 2015 04:38:18 GMT

@Revelate wrote:
@aqualuv74 wrote:
Yes the date for the Walmart score was May 4 and the date for the Barclays report is May 6. Even the history is different, like for April the Walmart score was 664 and the Barclay score was 670, a little closer for April but still different nonetheless.
You generally only get a Barclay's score if you get a non-trivial change I believe, in which case it's likely something changed to trigger the score report there. For me and others they've been identical and they're supposed to be from the TU product perspective... how stable is your report?

I guess its moderately stable, I do have lots of inquires and new accounts but why would that cause a discrepancy between the two reports from the same agency that get pulled around the same time?

Re: Barclay's FICO vs Walmart's??

Revelate — Wed, 17 Jun 2015 05:47:18 GMT

@aqualuv74 wrote:
@Revelate wrote:
@aqualuv74 wrote:
Yes the date for the Walmart score was May 4 and the date for the Barclays report is May 6. Even the history is different, like for April the Walmart score was 664 and the Barclay score was 670, a little closer for April but still different nonetheless.
You generally only get a Barclay's score if you get a non-trivial change I believe, in which case it's likely something changed to trigger the score report there. For me and others they've been identical and they're supposed to be from the TU product perspective... how stable is your report?
I guess its moderately stable, I do have lots of inquires and new accounts but why would that cause a discrepancy between the two reports from the same agency that get pulled around the same time?

Scores often drop after an app spree, and then will go up sporadically after that. Entirely possible crossed some boundary or had your revolving utilization change as a result of a new report or a host of other things. I wouldn't worry about it, as your report stabilizes (new accounts / inquiries age) they'll likely match just as they do for everyone else.

Re: Barclay's FICO vs Walmart's??

Anonymous — Wed, 17 Jun 2015 15:06:35 GMT

My Barclays score is is 717, and my Discover score is 793. Both are TU Fico 8. The difference is that, even though it's dated 6.03, Barclays pulled an old cached report that shows my tax lien. Discover is the correct, clean report.