What FICO flavor does Walmart provide to card holders?

[Anonymous]

---

@Hokies2379 wrote:

I have this going on too.  Walmart and CCT are 12 points higher than every other TU score I have (except when I get the letters, they all show the same one as walmart.) I created a thread on it, but people just had the typical excuses and thinking I didn't know what I was talking about. 

Reality is, they're all screwed up and can change at any minute.  I purchased a mf report to "force" it to match the score from the others.  It did until I hit my first alert and magically, a balance dropping gave me a 12 point hit.  It's humorous at this point. 

---

I forgot the CCT as well. Mine just updated all three bureaus this week and the TU score there agrees with WM. I know Barclays will lag because sometimes it will skip a month without updating and Discover updates monthly but things can and do change within a month's time. I've forced (paid for) updates here and have updated via alerts and it just never seems to be close to what WM and CCT show. And again, I am fully aware there will be changes and differences but there havent been huge changes on my TU report so i would assume the scores would track closer together.

[Hokies2379]

---

@Anonymous wrote:

---

@IaBoy62 wrote:

---

@Revelate wrote:

---

@Anonymous wrote:

So, is Fico 08 basic the same as the Fico 08 we get here at MyFico?

---

Yeah, and the same as offered by Barclays, Discover, BOFA (for some users, currently being rolled out).  Wish we had some more variety .

---

I am a little confused.... MyFico showed 702 TU a couple days ago,  a cli  denial from Amazon ten days ago said TU score was 705. I just reset my Wal-Mart Fico and it says 710. Barclay's alerted me yesterday of score change up 2 points to 662.

---

Precisely why I'm curious if the Walmart TU score is something different. I understand the scores are fluid and can change daily. But the WM TU score has been tracking about 20 point shigher for the past month for me. Barclays, Discover and here at MyFico are all tracking within 4-5 points of each other.

---

It's not. It's a TU 08 as well.  There are just so many places that report it, but only WalMart (that i know of) allows you to refresh it daily, which probably causes some of the confusion.  But myfico is the one that drives me the most batty.  It's almost like it purposefully goes out of its way to have a 12 point difference.

[Hokies2379]

---

@Anonymous wrote:

---

@Hokies2379 wrote:

I have this going on too.  Walmart and CCT are 12 points higher than every other TU score I have (except when I get the letters, they all show the same one as walmart.) I created a thread on it, but people just had the typical excuses and thinking I didn't know what I was talking about. 

Reality is, they're all screwed up and can change at any minute.  I purchased a mf report to "force" it to match the score from the others.  It did until I hit my first alert and magically, a balance dropping gave me a 12 point hit.  It's humorous at this point. 

---

I forgot the CCT as well. Mine just updated all three bureaus this week and the TU score there agrees with WM. I know Barclays will lag because sometimes it will skip a month without updating and Discover updates monthly but things can and do change within a month's time. I've forced (paid for) updates here and have updated via alerts and it just never seems to be close to what WM and CCT show. And again, I am fully aware there will be changes and differences but there havent been huge changes on my TU report so i would assume the scores would track closer together.

---

Well, quite frankly, I've never found MF's reporting to be timely enough to ever be accurate.  Typically a 1-2 week lag.  I only use it because I get the other scores you can't get elsewhere, their monitoring is just about the most useless product out there. (in my opinion.)