The FICO you get from here is a FICO98. The one from Walmart is a FICO08. It depends on which one the creditor pulls. There are many different reasons. There a mortgage pulls, auto enhanced pulls and credit card enhanced pulls. I can't tell you which one is more relevant for which creditor.
Starting Score: 504 July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013 Goal Score: All Scores 760+, Newest goal 800+ Take the myFICO Fitness Challenge Current scores after adding $81K in CLs and 2 new cars since July 2013 EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.