@myjourney wrote:Different models TU 08 & 98
Ugh. Well that should be illegal. They made a law that every consumer can pull their credit report for free once a year, they need to make a law that there's only 1 credit report and 1 scoring system so everyone knows exactly what others see. (Getting off my preaching horse now). Whew.
@youngandcreditwrthy wrote:
Yeah my Walmart TU tends to be 5-10 pts lower.
Thanks. Good to know. I'm glad I'm not the only one. At least I'll know what to expect from my "real" one when I get ready to pull it each time.
Sorry to hear about your CLI denial. While I'm still waiting (and hoping!) for an upgrade from my WM store card to Discover, I can say from my exp w/GE WM and Old Navy, that GE is weird. They have declined CLIs and then given me an auto CLI a couple of weeks later.
With Old Navy, they declined CLIs due to "not enough time at current... whatever it is they say" and then they upgraded me to an ON Visa w/a huge bump in my CL.
The quarterly CLI is a general rule of thumb, but it does depend on other factors. Your FICO is really great (wish mine were that high!). You might want to try calling when you can talk to a human; though not sure it would make a difference, it couldn't hurt.
If you're counting from July, which I recall from one of your posts, you may just need to wait another couple of weeks. I usually waited until the beginning of the month *after* the quarter. So, if I got a CLI in July, I would wait until Nov 1st, just to be sure I was past their 3-month mark. Since we're not sure if they go by 90 days vs 3 mos, etc. I left myself that leeway and it usually worked.
Otherwise, with your great FICO score, I would be doing the happy dance and not worry about GE! 
@youngandcreditwrthy wrote:
Yeah my Walmart TU tends to be 5-10 pts lower.
I would have loved to have discrepency that low between the two versions of TU, its not as bad as it was before. Its about 45 points different now, but earlier in the summer it was an whooping 105 points different.
@bichonmom wrote:Sorry to hear about your CLI denial. While I'm still waiting (and hoping!) for an upgrade from my WM store card to Discover, I can say from my exp w/GE WM and Old Navy, that GE is weird. They have declined CLIs and then given me an auto CLI a couple of weeks later.
With Old Navy, they declined CLIs due to "not enough time at current... whatever it is they say" and then they upgraded me to an ON Visa w/a huge bump in my CL.
The quarterly CLI is a general rule of thumb, but it does depend on other factors. Your FICO is really great (wish mine were that high!). You might want to try calling when you can talk to a human; though not sure it would make a difference, it couldn't hurt.
If you're counting from July, which I recall from one of your posts, you may just need to wait another couple of weeks. I usually waited until the beginning of the month *after* the quarter. So, if I got a CLI in July, I would wait until Nov 1st, just to be sure I was past their 3-month mark. Since we're not sure if they go by 90 days vs 3 mos, etc. I left myself that leeway and it usually worked.
Otherwise, with your great FICO score, I would be doing the happy dance and not worry about GE!
I did call them and I did speak to a human. 
Others on here have stated something about 4 months...which that might be what is wrong. But if it's a 3 month rule, I KNOW I'm over that limit. It was around July 7th or so when they gave me the last increase on their own. I'll wait until I get the 7 day letter and see what it says. Then I can also pull my free credit report (since they denied me credit) and see what's on there...just to see, not like I don't know what all is on there to begin with. hehe Then I'll just try again next month some time.
@mongstradamus wrote:
@youngandcreditwrthy wrote:
Yeah my Walmart TU tends to be 5-10 pts lower.I would have loved to have discrepency that low between the two versions of TU, its not as bad as it was before. Its about 45 points different now, but earlier in the summer it was an whooping 105 points different.
Are you flipping serious? How can this be? That would tick me off if I'm seeing a score of 805 and when I decide to buy another house or something big they come back with a score 100+ points lower!!! Yikes!
@audia4 wrote:
@mongstradamus wrote:
@youngandcreditwrthy wrote:
Yeah my Walmart TU tends to be 5-10 pts lower.I would have loved to have discrepency that low between the two versions of TU, its not as bad as it was before. Its about 45 points different now, but earlier in the summer it was an whooping 105 points different.
Are you flipping serious? How can this be? That would tick me off if I'm seeing a score of 805 and when I decide to buy another house or something big they come back with a score 100+ points lower!!! Yikes!
unlucky for me my scores aren't that high lol. It was 630 with walmart fico, and 735 for myfic TU. I almost had an heart attack when i opened up my walmart fico for the first time. At least now my walmart Tu is hovering around 700 its not as big a difference now.
@mongstradamus wrote:
@audia4 wrote:
@mongstradamus wrote:
@youngandcreditwrthy wrote:
Yeah my Walmart TU tends to be 5-10 pts lower.I would have loved to have discrepency that low between the two versions of TU, its not as bad as it was before. Its about 45 points different now, but earlier in the summer it was an whooping 105 points different.
Are you flipping serious? How can this be? That would tick me off if I'm seeing a score of 805 and when I decide to buy another house or something big they come back with a score 100+ points lower!!! Yikes!
unlucky for me my scores aren't that high lol. It was 630 with walmart fico, and 735 for myfic TU. I almost had an heart attack when i opened up my walmart fico for the first time. At least now my walmart Tu is hovering around 700 its not as big a difference now.
I know it's like that with my FAKO scores. Most of mine report in the very high 700's or 800's EXCEPT for when using Karma which says 665 LMAO. Quizzle, Seasame and .com are pretty close (798, 804, 803).
