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Regular Contributor
Posts: 217
Registered: ‎09-25-2012
0

Got my TU08!

So my Walmart card finally arrived in the mail and I enrolled for the free fico. I was suprised to see that my score was at 689! Not sure how accurate this is since I hear most lenders uses TU04? Correct me if I'm wrong. I hope it's not too much of a difference because I'm getting closer and closer to that 700+! lol Smiley Very Happy

TU 746 (10/13)
GOAL: 750+






Frequent Contributor
Posts: 385
Registered: ‎02-06-2009
0

Re: Got my TU08!

Awesome!

I'm waiting for my Walmart Discover card to arrive, maybe next week. They only gave me a $500 CL but that's fine because I really only wanted the free monthly TU08 score.


11/02/2012 Peak - EQ 790 (ScoreWatch EQ FICO)
01/06/2015 Current - TU 831 (Walmart MasterCard TU FICO 08 Classic)
GOAL - 800! - App free since 05/18/2015
Regular Contributor
Posts: 217
Registered: ‎09-25-2012
0

Re: Got my TU08!


brother7 wrote:

Awesome!

I'm waiting for my Walmart Discover card to arrive, maybe next week. They only gave me a $500 CL but that's fine because I really only wanted the free monthly TU08 score.


Congrats! I wish I got approved for the discover lol, but its fine GE will grow with me either ways. I only got accepted for $400, but the free TU08 is a nice perk. Smiley Wink

 

TU 746 (10/13)
GOAL: 750+






Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
0

Re: Got my TU08!

Congrats

Established Contributor
Posts: 869
Registered: ‎07-04-2012
0

Re: Got my TU08!

Congrats on the approval and scores.
+700 coming soon
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 |
Valued Contributor
Posts: 1,228
Registered: ‎05-10-2012
0

Re: Got my TU08!


Tran92 wrote:

brother7 wrote:

Awesome!

I'm waiting for my Walmart Discover card to arrive, maybe next week. They only gave me a $500 CL but that's fine because I really only wanted the free monthly TU08 score.


Congrats! I wish I got approved for the discover lol, but its fine GE will grow with me either ways. I only got accepted for $400, but the free TU08 is a nice perk. Smiley Wink

 


They're so weird, I got $600 with way worse scores and I'm SURE a worse credit profile overall, lol.  I'm also waiting for my GE card to arrive though, maybe my TU08 will shed some light on my situation.

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Valued Contributor
Posts: 1,103
Registered: ‎02-15-2012
0

Re: Got my TU08!

Congrats!

 

FYI- My TU08 and TU04 seem to be up to 30 or 40 points different sometimes, with TU08 being the higher number.  YMMV of course. 


Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: FICO 8 = 821 EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (17.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (10.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)
Established Contributor
Posts: 2,112
Registered: ‎09-25-2011
0

Re: Got my TU08!

TU08 is usually more friendly to small mistakes, and doesn't factor in collections under $100 due to a Hollywood Video class action incident where people with $5 late charges had a tough time trying to buy a house (most were falsely added after they went bankrupt), Fico04 is harsher on the client so most banks prefer to use one that will generate them a lower score so they can find any reason to charge you a subprime rate.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
0

Re: Got my TU08!

Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
0

Re: Got my TU08!

My buddie got approved for 640 TU in discover apps 

when he got his walmart Tu it's : 710 ......so Im not sure how accurate they are !!!!


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

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