June Walmart Score

HYPASS33 · ‎06-04-2013

Is the Walmart score usually way off from the Fico score? I just got my WM and it was 660 so I purchased my Fico and its 708. Which one would you go with that's more accurate??

armbenderc · ‎06-04-2013

Walmart is TU08 fico. I'm not sure what model is myfico is selling. You sure it wasn't EQ you got on myfico?

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%

myjourney · ‎06-04-2013

@armbenderc wrote:
Walmart is TU08 fico. I'm not sure what model is myfico is selling. You sure it wasn't EQ you got on myfico?

Could be wrong but if i remember TU04 here

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?

HYPASS33 · ‎06-04-2013

Nope, it was TU. I get both from here. Myfico scores have been in line with what my lenders have been pulling but that's a 40 point swing between WM and Myfico.

indiolatino61 · ‎06-04-2013

@myjourney wrote:
@armbenderc wrote:
Walmart is TU08 fico. I'm not sure what model is myfico is selling. You sure it wasn't EQ you got on myfico?
Could be wrong but if i remember TU04 here

No, myFICO sells the TU98 model.

armbenderc · ‎06-04-2013

Not sure but I know when I app for Discover IT they pull TU and score was the same as my Walmart fico for that month. I'm in Texas and they pulled TU. I app at discover website.

Also, GE bank uses same model as your Walmart score for their sp cli.

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%

myjourney · ‎06-04-2013

@indiolatino61 wrote:
@myjourney wrote:
@armbenderc wrote:
Walmart is TU08 fico. I'm not sure what model is myfico is selling. You sure it wasn't EQ you got on myfico?
Could be wrong but if i remember TU04 here
No, myFICO sells the TU98 model.

Bingo thats right

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?

HYPASS33 · ‎06-04-2013

Here I thought I was doing good with the 708 from here not knowing most don't use it. lol. Knock me back down.