Weird 11 point discrepancy, all Fico 08

[Hokies2379]

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@Anonymous wrote:
Seriously? Is it allowed to say how?

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Probably not, so I PM'd you.

[Revelate]

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@Hokies2379 wrote:

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@Revelate wrote:

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@Hokies2379 wrote:

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@Anonymous wrote:

Unless you just pulled a fresh 3B report on CCT, you're getting an EX score while Barclays and Walmart are TU. Also is the date exactly the same in all cases? Barclays and Walmart scores are not updated daily.

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yes, it was fresh report from all 4.  All were updated today and all are exactly the same date.

Walmart can be refreshed daily and this was my first one from Barclays, which was dated today.

It's mind boggling.

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I don't think so anymore, I'd check the date on your Walmart report as when I somewhat recently tried it for giggles (was planning to dump the card anyhow) it didn't refresh the report just gave me back the old one.  Same score, same date.

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Just did it this morning.  March 2, 2016. Did it yesterday, March 1, 2016. I do it every day and the score itself changes a couple times a week.

And honestly, let's just say for kicks and giggles that it's giving me an old score with a new date, Credit check total (updated yesterday as well) is still showing the same score as Walmart is, which is 11 points different than myfico and barclays.

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Interesting.  I don't put a lot of stock in the dates especially when it comes to Transunion; my Barclays updates have always lagged other solutions but that may just be me, and we've seen oddities with Transunion in particular here and elsewhere when it comes to data being cached somewhere.  

End of the day the dates on the information are different, and the refresh triggers differently which has always explained the score differnences in every single instance I've seen honestly.  I wouldn't worry about it personally.

[Anonymous]

That almost makes me want a Walmart card of my own

[Hokies2379]

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@Revelate wrote:

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@Hokies2379 wrote:

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@Revelate wrote:

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@Hokies2379 wrote:

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@Anonymous wrote:

Unless you just pulled a fresh 3B report on CCT, you're getting an EX score while Barclays and Walmart are TU. Also is the date exactly the same in all cases? Barclays and Walmart scores are not updated daily.

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yes, it was fresh report from all 4.  All were updated today and all are exactly the same date.

Walmart can be refreshed daily and this was my first one from Barclays, which was dated today.

It's mind boggling.

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I don't think so anymore, I'd check the date on your Walmart report as when I somewhat recently tried it for giggles (was planning to dump the card anyhow) it didn't refresh the report just gave me back the old one.  Same score, same date.

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Just did it this morning.  March 2, 2016. Did it yesterday, March 1, 2016. I do it every day and the score itself changes a couple times a week.

And honestly, let's just say for kicks and giggles that it's giving me an old score with a new date, Credit check total (updated yesterday as well) is still showing the same score as Walmart is, which is 11 points different than myfico and barclays.

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Interesting.  I don't put a lot of stock in the dates especially when it comes to Transunion; my Barclays updates have always lagged other solutions but that may just be me, and we've seen oddities with Transunion in particular here and elsewhere when it comes to data being cached somewhere.  

End of the day the dates on the information are different, and the refresh triggers differently which has always explained the score differnences in every single instance I've seen honestly.  I wouldn't worry about it personally.

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Thanks.  I wasn't super worried, just thought it was weird.

TU is a strange bird, for sure.

[Revelate]

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@Anonymous wrote:
That almost makes me want a Walmart card of my own

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You can have mine.  Was a mistake to pick it up but I didn't know everyone would be pushing TU FICO 8 scores within two years of my obtaining it.  My scores don't change enough to make a daily puller remotely useful and Credit Karma is still far superior to Walmart's product for all that it's Vantage Score rather than FICO.

I'm planning to close it after it reports back to zero, it's flat out awkward to keep reporting dates up with it, and it's so rare that I shop at Walmart anyway.  

[Hokies2379]

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@Anonymous wrote:
That almost makes me want a Walmart card of my own

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So many cards give out free TU scores.  My walmart card is only good for 0% interest on big purchases.  Which means, I won't use it again until next Christmas....maybe.

[Anonymous]

I'm still learning which cards give which scores. I know to ignore Cap1 and Credit One scores, those are the only other cards we have besides Walmart that gives anything

[Thomas_Thumb]

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@Revelate wrote:

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@Anonymous wrote:
That almost makes me want a Walmart card of my own

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You can have mine.  Was a mistake to pick it up but I didn't know everyone would be pushing TU FICO 8 scores within two years of my obtaining it.  My scores don't change enough to make a daily puller remotely useful and Credit Karma is still far superior to Walmart's product for all that it's Vantage Score rather than FICO.

I'm planning to close it after it reports back to zero, it's flat out awkward to keep reporting dates up with it, and it's so rare that I shop at Walmart anyway.  

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Agreed. Monthly updates work for me just fine.

Needing daily scores sounds like an addiction and I don't want to go there. Best not to turn obsessions into addictions. 

[Hokies2379]

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@Thomas_Thumb wrote:

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@Revelate wrote:

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@Anonymous wrote:
That almost makes me want a Walmart card of my own

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You can have mine.  Was a mistake to pick it up but I didn't know everyone would be pushing TU FICO 8 scores within two years of my obtaining it.  My scores don't change enough to make a daily puller remotely useful and Credit Karma is still far superior to Walmart's product for all that it's Vantage Score rather than FICO.

I'm planning to close it after it reports back to zero, it's flat out awkward to keep reporting dates up with it, and it's so rare that I shop at Walmart anyway.  

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Agreed. Monthly updates work for me just fine.

Needing daily scores sounds like an addiction and I don't want to go there. Best not to turn obsessions into addictions. 

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You're absolutely right, however I just beat my additiction to crack, so I needed something to replace it.

Kidding, obviously.

[Hokies2379]

This continues to happen.  Everywhere else that I get my 08 shows an 11 point increase over what myfico shows.  I've even messed with the system, paid for a report to manually update the score at Myfico and it matches the other places for 1 day...and then, like clockwork, it randomly has that 11 point decrease.

3 months of this now.  What a weird glitch in myfico.  I had stopped paying attention to it, but it just REALLY gets annoying.