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Established Contributor
tennisfan78
Posts: 629
Registered: ‎09-18-2011
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Walmart Discover question--Update Approved-- CLI success

[ Edited ]

 

 

For those who applied for Walmart Discover, which credit report did they pull?

 

Thanks


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

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Frequent Contributor
mikka1
Posts: 269
Registered: ‎12-28-2011
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Re: Walmart Discover question

I think GE usually pulls TU. At least I never had a GE pull on my EX. Though I don't have WM Discover, I have a Walmart store card.

But that might differ depending on where you live. I live in NJ.

In my wallet now: Amex PRG NPSL, Amex BCE $15k $17k (thanks to recent CLI), Chase Freedom 11k, CSP $6k, Chase United ME $5k, Citi Dividend $5.6k, Discover It $4.5k and a handful of other cards...
TU Dec 2013 - 752Sep 2013 - 764 - new all time maximum
Valued Contributor
Swapmeet
Posts: 1,398
Registered: ‎11-10-2012
0

Re: Walmart Discover question

TU in So Cal.



My Wallet: WalMart: ||15k|| USAA Platinum MC: ||26k|| BCE: ||9k|| Chase Freedom Siggy: ||10k||
Discover it: ||6.5k|| SG Visa: ||11k|| USAA World MC: ||23k|| US Bank Cash+ Siggy: ||5k|| Citi TYP World MC: ||10.5k||
Barlays Arrival World MC: ||10k||
Fico Scores: EQ 760 (SW),TU 757 (Walmart), EX 738 (myfico) Last app: USAA CLI (both cards) 8-15-14
Established Contributor
rtw
Posts: 797
Registered: ‎05-01-2012
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Re: Walmart Discover question

They pulled TU for me.


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Valued Contributor
creditnocash
Posts: 2,196
Registered: ‎07-23-2012
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Re: Walmart Discover question

too my knowledge they always pull TU. 

 

the walmart card is backed by ge and on the discover network. 

 

i believe all walmart discover questions/calls/customer service is handled through ge as well. which again supports its only on the discover network as apposed to visa, mc, amex... 

 

Current: Discover Fico 689 7/14 Walmart Fico 697 8/14

Inquiries (24 Months): EQ 6 TU 3 EX 4 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Established Contributor
tennisfan78
Posts: 629
Registered: ‎09-18-2011
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Re: Walmart Discover question

 


Thanks to all


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

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Established Contributor
tennisfan78
Posts: 629
Registered: ‎09-18-2011
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Re: Walmart Discover question

 

 

also what is the apr like?


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

Take the FICO Fitness Challenge
Frequent Contributor
brother7
Posts: 376
Registered: ‎02-06-2009
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Re: Walmart Discover question


tennisfan78 wrote:

also what is the apr like?


They pulled TU for me which is the only CR with a serious derog (tax lien which falls off in November). My APR is 22.90% :smileysurprised:


11/02/2012 Peak - EQ 790 (ScoreWatch EQ FICO)
07/07/2014 Current - EQ 794 (Walmart Discover TU FICO 08 Classic)
GOAL - 800! - App free since 03/13/2014
Established Contributor
tennisfan78
Posts: 629
Registered: ‎09-18-2011
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Re: Walmart Discover question


brother7 wrote:

tennisfan78 wrote:

also what is the apr like?


They pulled TU for me which is the only CR with a serious derog (tax lien which falls off in November). My APR is 22.90% :smileysurprised:


That is high APR wow. So, this card is good for reducing overall utilization, but not to carry balance. (and free TU scores)

 

I bet you cant wait for the derog to fall off! That would be awesome.


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

Take the FICO Fitness Challenge
Valued Contributor
bs6054
Posts: 1,673
Registered: ‎11-11-2012
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Re: Walmart Discover question

Looking at

 

https://chb.onlinecreditcenter6.com/consumereApply/Internet/walmart/en/js/TermsConditions.htm

 

Looks like the APR is 22.9 for all, not based on credit score.


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