Applied for Walmart... 7-10 day message.

[SLR72689]

Got something in the mail today from GE / Walmart and here is what it said:

Your Credit Score:  413

Date:  03/22/2013

Scores range from a low of 300 to a high of 620.

Key factors that adversely affected your credit score:  HIGHEST RATIO OF REVOLVING BALANCE TO CREDIT LIMIT IS TOO HIGH  NUMBER OF MONTHS SINCE CREDIT ACCOUNT IN COLLECTIONS IS TOO LOW  ACCOUNTS IN COLLECTION OR 60 DAYS PAST DUE OR ADVERSE PUBLIC RECORDS  AVERAGE RATIO OF REVOLVING BALANCES TO CREDIT LIMITS IS TOO HIGH

300-620?! I hate how everything scores differently. Very frustrating. My myFico Equifax score is currently 597.

[Deltadog03]

I am assuming they pulled your TU?

[SLR72689]

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@Deltadog03 wrote:

I am assuming they pulled your TU?

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My TU (edit: purchased from myFico) from early March is 576.

[Deltadog03]

gotcha....I wonder how many point(s) hit its going to be for the HP

[SLR72689]

I can let you know! I actually got a myFico scorewatch alert yesterday that my EQ score went up 7 points... and that was after the HP from Walmart. I did have a new account reporting and lowered some CC balances so I may not notice the hit from the HP.

[twall06]

Your Credit Score: 590 Date: 02/16/2013 Scores range from a low of 300 to a high of 850.
That was what I got in Feb I'm going to wait a year and try again .

[Deltadog03]

Very nice yall!  Did they pull EQ?  I seen they did give you there score, but I am surprised no HP from TU from them.

[twall06]

Yes mine was TU

[Deltadog03]

Kool, thats what I figured.  I am going back to the garden until 11/1/13  maybe try around then....

[twall06]

Sounds good I'm in the garden until my scores are high enough for a mortgage.