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I also pulled my score on my Walmart card and it was 609. The same day...myfico said it was 640. I don't understand, but mine hasn't been that low in a long time. So I really think the walmart one seems kind of messed up!
Walmart uses TU04 scoring model.
@Anonymous wrote:Walmart uses TU04 scoring model.
Are you certain of that? I have not seen anything official from WM or anyone else announcing what version it is.
But of course I admit I could have easily missed such an announcement.
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".