topic Re: November Walmart Scores are UP! in Credit Cards

November Walmart Scores are UP!

SpeedingWheels — Fri, 09 Nov 2012 03:57:13 GMT

November Walmart FICO scores are now up!

Mine is +16 to 689 :)

Re: November Walmart Scores are UP!

Epcot — Fri, 09 Nov 2012 04:01:05 GMT

Congrats! I am so close to apping for a Walmart Card.

Re: November Walmart Scores are UP!

j_casteel — Fri, 09 Nov 2012 04:02:34 GMT

thanks for reminding me!

mine is up again! 12pts this month. seems like its been growing quickly, but i'm so impatient that it doesn't seem fast enough.

Re: November Walmart Scores are UP!

distantarray — Fri, 09 Nov 2012 04:05:04 GMT

-2 =(

Re: November Walmart Scores are UP!

S7 — Fri, 09 Nov 2012 04:05:06 GMT

Mine isn't updated. :( Still says 10/31

Re: November Walmart Scores are UP!

jsickz32 — Fri, 09 Nov 2012 04:06:06 GMT

credit score stayed the same 693

Re: November Walmart Scores are UP!

kobe2012 — Fri, 09 Nov 2012 04:06:31 GMT

+26 622 to 648.... how come walmart TU is much lower that the one here on myfico.....

Re: November Walmart Scores are UP!

j_casteel — Fri, 09 Nov 2012 04:06:33 GMT

distantarray wrote:
-2 =(

DAMN!!

nice jump from August to September....cleaned some stuff up?

Re: November Walmart Scores are UP!

j_casteel — Fri, 09 Nov 2012 04:07:23 GMT

kobe2012 wrote:
+26 622 to 648.... how come walmart TU is much lower that the one here on myfico.....

different models i believe

Re: November Walmart Scores are UP!

kese — Fri, 09 Nov 2012 04:11:12 GMT

Wow! Getting close to my Goal.

Re: November Walmart Scores are UP!

calihlove75 — Fri, 09 Nov 2012 04:12:44 GMT

Down 6 points- likely will go down again next month when Amex reports. That is okay...going forward!

Re: November Walmart Scores are UP!

distantarray — Fri, 09 Nov 2012 04:17:32 GMT

j_casteel wrote:

distantarray wrote:

-2 =(

DAMN!!

nice jump from August to September....cleaned some stuff up?

Removed First Premier x 2 :) I sent them a nutcase letter stating I would sue them for 51 violations on my credit report for $51,000

Re: November Walmart Scores are UP!

distantarray — Fri, 09 Nov 2012 04:17:39 GMT

kobe2012 wrote:
+26 622 to 648.... how come walmart TU is much lower that the one here on myfico.....

Walmart is TU08, MyFico is TU98, Most lenders us Fico04, and not one sells Fico04 so it's a fun cat and mouse game. Although EQ score here is Fico04 and accurate to most lenders, TU is not, only Barclay is believed to still use MyFico's 98 version.

Most lenders will not use Fico08 cause it's more friendly to consumers.

1. AU's have a lessened effect on your score

2. charge off or collections under $100 does not factor into your scoring

3. small mistakes like 30 days late have less of an affect.

those are small 3 changes in Fico08 but lenders prefer Fico04 cause it's the most damaging to consumers scores. they want to give subprime lending for life !

Re: November Walmart Scores are UP!

j_casteel — Fri, 09 Nov 2012 04:21:30 GMT

distantarray wrote:
j_casteel wrote:
distantarray wrote:
-2 =(

DAMN!!

nice jump from August to September....cleaned some stuff up?
Removed First Premier x 2 :) I sent them a nutcase letter stating I would sue them for 51 violations on my credit report for $51,000

lol, thats awesome!!

I tried to get some GW and PFD with them and talked with a "VP" about it for like 30mins and he said while I was making complete sense, and that he personally agreed with me. That as a representative of FP and a person who has to abide by their policies he couldn't remove anything.

It gives me an idea though of the possible jump i will have when my derogs fall off in 1.5yrs.

Re: November Walmart Scores are UP!

TNTransplant — Fri, 09 Nov 2012 04:22:05 GMT

Up 23 to 747.:smileyhappy:

Re: November Walmart Scores are UP!

maiden_girl — Fri, 09 Nov 2012 04:26:33 GMT

My TU FICO jumped up to 707 :) Signature update time!

Re: November Walmart Scores are UP!

bbrannan — Fri, 09 Nov 2012 04:48:43 GMT

Up 39 points to 746!!! Awesome feeling!!

Re: November Walmart Scores are UP!

visorboy1974 — Fri, 09 Nov 2012 04:50:42 GMT

Steady at 731

Re: November Walmart Scores are UP!

youngandcreditwrthy — Fri, 09 Nov 2012 04:51:02 GMT

Damn!!!!! Mine went down 6 pts:-( to 690. Why can't I just break 700!!!!!!! Lol ugh! Must be the inqs from Amex/discover that dropped me. When Discover and Amex finally start reporting, it'll prob drop another few points lol :-(

Re: November Walmart Scores are UP!

distantarray — Fri, 09 Nov 2012 04:53:37 GMT

j_casteel wrote:

lol, thats awesome!!
I tried to get some GW and PFD with them and talked with a "VP" about it for like 30mins and he said while I was making complete sense, and that he personally agreed with me. That as a representative of FP and a person who has to abide by their policies he couldn't remove anything.
It gives me an idea though of the possible jump i will have when my derogs fall off in 1.5yrs.

I dunno mine was a really stupid case. 51 reporting violations were actually 51 late payments reporting...... with illegal re-aging of my accounts with different years across the board lol, so not sure if your scores would jump like mine, but yea it was a complete mess.