topic Just got my first Walmart TU score. Is it good score? in Understanding FICO® Scoring

Just got my first Walmart TU score. Is it good score?

pat0812 — Tue, 13 Nov 2012 15:27:00 GMT

I just started building my credit from scratch 6 months ago and today for the

first time I got my free TU Walmart FICO score. It shows 714

how good is that? How accurate is this compared to what most lenders pull?

Re: Just got my first Walmart TU score. Is it good score?

Shogun — Tue, 13 Nov 2012 16:28:13 GMT

Not too bad. :)

Re: Just got my first Walmart TU score. Is it good score?

Repo-ed — Tue, 13 Nov 2012 16:29:43 GMT

You are MUCH better off than most of us around here...

Grats

Re: Just got my first Walmart TU score. Is it good score?

Epcot — Tue, 13 Nov 2012 16:35:49 GMT

I think the walmart score is a TU08. Nice score!

Re: Just got my first Walmart TU score. Is it good score?

jamie123 — Wed, 14 Nov 2012 21:55:50 GMT

That is AWESOME!!!!

At 714 your score won't be the deciding factor in credit approvals. Your short history is now the only thing stopping you but that will vary by lender.

Are you going to app for the AMEX Green or Gold in December?

Re: Just got my first Walmart TU score. Is it good score?

mtrsprt — Sat, 17 Nov 2012 06:12:51 GMT

Your score is insane.

Rebuilding from scratch 6 months ago, and you have a 714 FICO. I would consider yourself extremely one of a kind. I'm gonna guess your history wasn't that bad, and your scores werent THAT low.

I started at 522 TU FICO, 1.5 years ago, when I started my rebuilding process. Had $27,000.00 in collections from 5 major CC banks. Basically decided to stop paying for a 5 year period. 1.5 years later, my FICO (TU) is 645............ (and that's opening 4 new accounts, and paying on time).

You have it easy.

Re: Just got my first Walmart TU score. Is it good score?

jsucool76 — Sat, 17 Nov 2012 18:26:05 GMT

That is a pretty decent score for where you stand...but as for....

mtrsprt wrote:
Your score is insane.

Rebuilding from scratch 6 months ago, and you have a 714 FICO. I would consider yourself extremely one of a kind. I'm gonna guess your history wasn't that bad, and your scores werent THAT low.

I started at 522 TU FICO, 1.5 years ago, when I started my rebuilding process. Had $27,000.00 in collections from 5 major CC banks. Basically decided to stop paying for a 5 year period. 1.5 years later, my FICO (TU) is 645............ (and that's opening 4 new accounts, and paying on time).

You have it easy.

Score isn't everything. You can have an extremely thin file and get up to the 700s. Just because you have a decent score doesn't guarantee an approval for anything if your file is thin.

but to OP, keep up the good work, seems like you're on the right track :D