11-13-2012 11:34 AM
Well, I was not in the market for a Wal Mart card. My wife is expecting our daughter in January and she seen baby furniture at Wal Mart. So I said to myself, go ahead and pull the trigger and see what happens. Well, I did, and was approved for $800 CL. Purchased our baby furniture and will payoff very quickly . I guess having about two GE accounts help, Discount Tire, and Amazon. Now three accounts with Wal Mart.
When and how do access the TU credit report? Thanks...
11-13-2012 11:36 AM
To get the TU scoring, you need to sign up for Online Account Management, and opt in for Paperless Statements. You'll need the full card number to do this.
|Chase Freedom $5000|
DCU Visa $10000
Capital One QS $2000
AMEX BCE $1000
|Lowe's CC $8500|
WalMart CC $2400
BOA Platinum $600
AMEX Gold NPSL
11-13-2012 11:39 AM
Cool...gotta wait on the card now. But I was able to put the furniture on the card.
11-13-2012 11:41 AM
11-13-2012 11:43 AM
Congrats on the card and the baby!
11-13-2012 11:54 AM
Small hint about the full account number required to set up online banking - in fact you CAN register in online banking BEFORE you actually get the card.
If you applied online, then the card is already linked to you account, but you can see only last 4 digits of the number.
If you somehow have access to your credit report (I did it all the time with EX, but I suppose that would work with all other CRAs), then in a couple of days after account opening you will see a new tradeline reporting. For security purposes reports don't show the whole card number, but first ... 12 digits
I suppose there's no need to explain how to add 1+1? :-)
In case of Walmart just be sure not to activate the card before you actually get it (the first time you sign in to the system, it will suggest you to activate your card, just say no).
I've done it already with several GE cards (Walmart, Amazon) and it worked perfectly. Good trick for those impatient like I am :-)
11-13-2012 12:26 PM
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO