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I know this questions is probably on this site some where but cannot seem to find it. Is the Walmart Fico score the same as the lenders use for credit, like mortgages...
I believe the Walmart FICO is TU 08, which is used by some lenders.
If you have a particular lender in mind, then you might try to figure out what score they use.
Also, lenders use a variety of criteria beyond scores.