No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Should these be this far off
@gmac11 wrote:Should these be this far off
my TU myfico and Walmart have been over 100 points apart before, so it can be that far off :-(
Which one is what lenders see as more real?
Would Walmart use their score to consider a CLI?
@gmac11 wrote:Should these be this far off
Mine are 49 points off...666 (Walmart) and 617 (TU Fico). They are different versions. My Walmart TU Score is closer to what my mortgage lender pulled a few months ago.
@gmac11 wrote:Which one is what lenders see as more real?
Would Walmart use their score to consider a CLI?
Lenders don't use either of those model/versions.
Both of the scores you have are real for the version/model they are. The one from myFICO is TU98 the one from Walmart is the 08 model, probably the CC enhanced version.
Your scores from model to model can vary just a little or a lot. Everything depends on your credit profile.
So it sounds like you're saying the TU score on here or with Walmart are both Fakos?
@unc0mm0n1 wrote:So it sounds like you're saying the TU score on here or with Walmart are both Fakos?
No that is not what I am saying at all. Both of the scores are real FICO scores. Just not the same ones used by mortgage lenders.
There are over 49 different models/versions of FICO scores.
Mine is way off too.
MyFico TU = 670
Walmart TU = 632
My Walmart FICO and TU FICO here are always within 4-5 points of eachother.
edited...found my answer...