What gives?! Credit Karma and Walmart Fico Scores!

[Anonymous]

So I opened a Walmart Credit card around November 2012. After lurking around here I see that they offer a free Fico score every month it seems. So I checked it and my score is 683. Credit Karma is reporting 584... That's almost a 100 point difference. 

[Anonymous]

Credit Karma's scores are not FICO.  It's a FAKO.

[enharu]

Not sure if Walmart scores are Fico or fako, but credit karma scores are fako. Just use it for estimation and educational purposes only. It's not that accurate

[tattooedhusker]

CK's scores are garbage, just use it to monitor activity and you will be fine

[09Lexie]

WalMart scores are Fico TU (08)

[Adalen]

Wal-Mart's score is an actual FICO score.

[blondy250]

Walmart score is a FICO that no one uses.

[LS2982]

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@blondy250 wrote:

Walmart score is a FICO that no one uses.

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Incorrect. TU98 (FICO you get here) is more of an educational score. TU 04 and TU08(walmart) are used by the lenders.

[blondy250]

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@LS2982 wrote:

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@blondy250 wrote:

Walmart score is a FICO that no one uses.

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Incorrect. TU98 (FICO you get here) is more of an educational score. TU 04 and TU08(walmart) are used by the lenders.

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Really? my information is only gleaned from other repected contibuters here, and although TU98 is outdated it still seems to be more widely used then TU04 and TU08 is.

[bs6054]

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@blondy250 wrote:

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@LS2982 wrote:

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@blondy250 wrote:

Walmart score is a FICO that no one uses.

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Incorrect. TU98 (FICO you get here) is more of an educational score. TU 04 and TU08(walmart) are used by the lenders.

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Really? my information is only gleaned from other repected contibuters here, and although TU98 is outdated it still seems to be more widely used then TU04 and TU08 is.

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No, I think most agree that TU98 isn't really used.  I thought that 08 wasn't widely adopted yet (so 04 is the winner) but LS2982 told me that that was no longer the case.