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Question By
rocnrikki

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Why is walmart (which is trans union) and credit karma (which is trans union) scores 42 points diffe
Just what the question says...both are trans union and both are the same month but 42 points different. walmart has a 652 and credit karma has 610

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It is simple. The score you see here on CreditKarma is not a TRUE FICO score. It is considered a FAKO score. Meaning that the score are useless with the exception of the Vantage Score. Walmart offer a TU 08 Fico Score which can be more lenient towards any baddies on your Credit Report. However, many lenders seem to use TU04 to pull your credit score. Hope that helps.

Reply by
rocnrikki

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Somewhat helpful except.....What is the TU 04 and the TU 08?

Reply by
ultimatecpa

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Kindly reply in plain English, no B/S please!

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