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Got my TU08!

Regular Contributor

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+






Message 1 of 11
10 REPLIES
Frequent Contributor

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.



06/30/2017 - EX 807 (Credit Scorecard EX FICO® Score 8, range 300-850)
07/20/2017 - TU 819 (Discover TU FICO® Score 8, range 300-850)
07/25/2017 - EQ 842 (Citi EQ FICO® Bankcard Score 8, range 250-900)
GOAL - 800! - App free since 12/13/2015
Message 2 of 11
Regular Contributor

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+






Message 3 of 11
Established Contributor

Re: Got my TU08!

Congrats

Message 4 of 11
Established Contributor

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 |
Message 5 of 11
Valued Contributor

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
Message 6 of 11
Valued Contributor

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 = 844(9/15) EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 (9/15)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 (22.5K), 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 (16.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)
Message 7 of 11
Established Contributor

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
Message 8 of 11
Valued Contributor

Re: Got my TU08!

Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 9 of 11
Valued Contributor

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

Message 10 of 11