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Regular Contributor
Tran92
Posts: 217
Registered: ‎09-25-2012

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 :smileyvery-happy:

TU 746 (10/13)
GOAL: 750+






Frequent Contributor
brother7
Posts: 376
Registered: ‎02-06-2009

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)
06/03/2014 Current - EQ 792 (Walmart Discover TU FICO 08 Classic)
GOAL - 800! - App free since 03/13/2014
Regular Contributor
Tran92
Posts: 217
Registered: ‎09-25-2012

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. :smileywink:

 

TU 746 (10/13)
GOAL: 750+






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

Re: Got my TU08!

Congrats

Established Contributor
CruzImperial
Posts: 863
Registered: ‎07-04-2012

Re: Got my TU08!

Congrats on the approval and scores.
+700 coming soon
Fico Scores: . Walmart TU 748 . App free since Aug 2013 .

Cap One Journey 500 | Discover IT 1k | 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 6k | Barclays Apple 2.5k | BoA CR 800 | CSP 7.2k
Valued Contributor
Jutz
Posts: 1,216
Registered: ‎05-10-2012

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. :smileywink:

 


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 694, TU FICO 695, EX FICO 698 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $29,500
  • Inquiries (12 Months): EQ 6 TU 3 EX 6 | Most Recent: 1/21/2014
Chase Freedom $5000
DCU Visa $10000
Capital One QS $2000
AMEX BCE $1000
Lowe's CC $8500
WalMart CC $2400
BOA Platinum $600
AMEX Gold NPSL
Valued Contributor
crunching_numbers
Posts: 1,093
Registered: ‎02-15-2012

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: 748 TU(12/12), 783 TU98 , 813 TU08 FICO, 744 EQ FICO , 735 EX(9/12), 794 EX08 FICO, 809 EX08 bankcard FICO
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (20.7K), BofA Travel Rewards ($17.5), B&N World MC ($17.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (15K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig ($8.6K), Disc It ($8K), Citi Dia Pref MC ($3.7K),Sam's D ($8.5K), Wally D ($7.5K), JCP($5.3K)
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011

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
Epcot
Posts: 2,777
Registered: ‎10-10-2012

Re: Got my TU08!

Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 809 EX 774 TU 805
App free since 4/11/13
Valued Contributor
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012

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: 9k| Amex: NSPL|Dis: 3.4k|Cap: 3.5k|CAP: 2k|CSP: 5k| Pen:4.5k


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