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Established Contributor
CruzImperial
Posts: 867
Registered: ‎07-04-2012
0

Re: Feb WalMart Scores are Up!!!!!


GangnamFICO wrote:

That looks like utilization spread. Can you share details of the roller coaster??

 

 


CruzImperial wrote:

Not what I expected but still 9 points are better than nothing.

 

 

Still trying to knock down that 760 barrier hehe

 

 

Edit:

 

I hit the love button and went from 2.4k to 4.9k yay!!!

 

1.1k -> 2.4k -> 4.9k 

 

All in 6 months.


 


The August 2012 was normal since I got it right after getting my card on the mail, only inqs showing up at this poing.

 

The next month, with all the new accounts being reported to the bureaus, score went down 15 points.

 

October and the 759 surprised me, util was low as always and no big changes from last month.

 

Big drop on November and December was because of util issues during the holidays.

 

No big changes in January and February reportwise. I guess my profile is more flexible now andi it's growing right back up without the need of perfect util. Util still high at 20% but that's because I made a big purchase. Let's see where it goes next month, 740 would make me very happy :smileyvery-happy::smileyvery-happy::smileyvery-happy:

Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Regular Contributor
trishdadish
Posts: 123
Registered: ‎01-15-2009
0

Re: Feb WalMart Scores are Up!!!!!

Up 14 points to 787, my highest TU score ever! However, next month it'll probably drop, for neither my new Penfed Plat Cash Rewards (17.5 K) nor my new AMEX SPG (2K) are reporting to any of the CRAs yet.

All 3 bureaus (per Amex CreditSecure FAKO) are still 748 (as of 12/19/13). Cards: Discover It, $12,100, Chase Freedom $3,300, Chase Amazon $1,500, Walmart store $11,000, AMEX Zync NPSL, Costco Amex $14,700. US. Bank Cash +, $5,000. AMEX SPG $6,000, PenFed Plat. Cash Rewards $17,500, PenFed P-LOC $10,000, Citi Forward $5,100, Chase Slate $5,000, Old Navy, $2,200.
Valued Contributor
Gunnar419
Posts: 1,152
Registered: ‎01-23-2013
0

Re: Feb WalMart Scores are Up!!!!!


kevinjjc wrote:

You have to wait until you get your card to set up your online account and sign up for paperless statements before you can view your FICO score via Walmart.


Thanks, kevinijc. I'll practice my patience. (Something I am (not) sooooooo good at.)

 

Valued Contributor
armbenderc
Posts: 1,339
Registered: ‎09-11-2012
0

Re: Feb WalMart Scores are Up!!!!!


CribDuchess wrote:

No change from last month - holding at 799, and continuing to knock on the door to 800.......open, open, open!! :smileytongue:

 

Walmart Feb Fico.JPG

 


bad manner.

 

 

 

 

j/k   awesome score.

 

I'm at 731

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Regular Contributor
Settemio
Posts: 222
Registered: ‎01-08-2011
0

Re: Feb WalMart Scores are Up!!!!!

[ Edited ]

MyFico TU score here is 732... on Walmart, it is 700. How can there be a 32 pt difference? I thought the scores here/there were accurate

Valued Contributor
creditnocash
Posts: 2,195
Registered: ‎07-23-2012
0

Re: Feb WalMart Scores are Up!!!!!


Settemio wrote:

MyFico TU score here is 732... on Walmart, it is 700. How can there be a 32 pt difference? I thought the scores here/there were accurate


here is the tu98 model where as walmart is the tu08 model. 

 

i have always been mid 700's on there and my eq fico here has been 640's-700(never over yet) 

my eq and tu reports exactly the same except for inqs but i have about the same amount of those as well

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
Regular Contributor
sonson
Posts: 241
Registered: ‎12-04-2009
0

Re: Feb WalMart Scores are Up!!!!!

Awesome! Up 13 points! from 632 to 645!


Starting Score: EQ 548 [ Feb 2010 ]
Current Score: TU 663 EQ 686
Goal Score: 700


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Established Contributor
FloridaState12
Posts: 614
Registered: ‎08-24-2011
0

Re: Feb WalMart Scores are Up!!!!!

Up 26 points to 750! No doubt because of utilizaton drop.

 

fico.jpg

Photobucket
Regular Contributor
tld409
Posts: 202
Registered: ‎03-21-2012
0

Re: Feb WalMart Scores are Up!!!!!


tld409 wrote:

Just checked mine and score is up from 719 to 776!    I'm sure this is due to better limit (4800) with new card added last month (Citi). 


Oops! Forgot to mention that I also had 1 CA removed after GW. I'm sure that also helped with score increase ! 

Starting Score 630 Current:EX:714(05/31/14); EQ08: 732 (07/03/14);TU:739 (07/06/14):Goal Score: 750 across the board
Amex BCP 4.3K; Amex BCE 18K; Amex PRG; BOA123 Visa Sig 20k; CapOne WMC 7.5K; CSP Visa Sig 5K; Slate Visa 3k; Citi Simp Visa 6.9k; CFCU Visa 15k; Discover IT 4K; JCP MC 6.7K; Macys Amex 7.5K/2k; PSECU Visa/PSL 20/20K; SamsClub Discover 10k; Walmart 10k
Frequent Contributor
7PM789
Posts: 256
Registered: ‎08-20-2012
0

Re: Feb WalMart Scores are Up!!!!!

I'm down 6 points from 767 to 761
Amex B.C.E. - $2.5k - N.C.F.C.U.M.C. - $5k - Amex Gold - NPSL - Discover More - $7.5k - Sam's Club Discover - $10k -
Walmart Discover - $7.5k - Citi T.Y.P. - $5.5k - Chase Freedom - $2.2k -
W.M.TU-775(July/14/) EQ-726(July/12) EX-753(Jan/13)
Audi, Vide, Tace. . .



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