New TU Walmart scores out

[Juan123]

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@LS2982 wrote:

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@Juan123 wrote:

down 20 points on TU, that citibank card i have reporting a $800 balance mustve dropped my score.

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The good thing is it only lasts one month!!

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yea true, cant wait for everything to report later this month, it should drop my util to around 5% jumping my score to the 700s ^_^

[LS2982]

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@Juan123 wrote:

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@LS2982 wrote:

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@Juan123 wrote:

down 20 points on TU, that citibank card i have reporting a $800 balance mustve dropped my score.

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The good thing is it only lasts one month!!

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yea true, cant wait for everything to report later this month, it should drop my util to around 5% jumping my score to the 700s ^_^

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I can't wait for next update either! Should go from 37% to 4% Util.

[Mellon]

i just dont get these scores....Walmart TU FICO is 648 (down 3 pts) but I bought my TU from MyFico and its 672... I'm going to go with TU score from MyFico.

[Anonymous]

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@improvingmycredit wrote:

WOOHOO!  804!  Went up 11 points!  I can't believe it! 

What's weird is my EQ was pulled by a lender recently and it was 787 but myFICO EQ version was only 738.  I'm assuming because I let the Amex Chargers report before paying.  It's the only reason I can think of for the drastic difference in the scores.  Any thoughts? 

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When you say lender, do you mean a CCC or Mortgage lender?

Either case, the difference may be because the lender who pulled your EQ score ran it through their own scoring model, ie a "CC enhanced FICO, or a Mortgage enhanced FICO etc...) or the lender may have used another version of the EQ FICO, Beacon 9?? (MyFICO provides you with the Beacon 5 FICO)

On another note, I'm pretty sure it has been established that Walmart's FICO's are TU 08 correct?

ETA: I misread the post at first, I fixed my mistake, which you'll see in BM's "quoted reply below"

[bichonmom]

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@Anonymous wrote:

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When you say lender, do you mean a CCC or Mortgage lender?

Either case, the difference may be because the lender who pulled your TU score ran it through their own scoring model, ie a "CC enhanced FICO, or a Mortgage enhanced FICO etc...) or the lender may have used another version of the TU FICO, TU 98, TU 04??

I'm pretty sure it has been established that Walmart's FICO's are TU 08 correct?

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Yes.

[Anonymous]

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@bichonmom wrote:

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@Anonymous wrote:

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When you say lender, do you mean a CCC or Mortgage lender?

Either case, the difference may be because the lender who pulled your TU score ran it through their own scoring model, ie a "CC enhanced FICO, or a Mortgage enhanced FICO etc...) or the lender may have used another version of the TU FICO, TU 98, TU 04??

I'm pretty sure it has been established that Walmart's FICO's are TU 08 correct?

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Yes.

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That's why I edited my reply above (in red) I misread the posters reply and I thought they were referring to their TU score, and I realized after submitting my reply, that the poster was asking about their EQ score. So I edited my reply accordingly.

And thank you BM for that confirmation

[patternofstars7]

WOW up 46 points from 656 to 702

[jamesdwi]

up to 714 my highest TU ever reported on Walmart from 708 last month. 

Zync now reporting, and lower UTL,  and Zync may of helped my AAoA ever so slightly

[Anonymous]

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@jamesdwi wrote:

up to 714 my highest TU ever reported on Walmart from 708 last month. 

Zync now reporting, and lower UTL,  and Zync may of helped my AAoA ever so slightly

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Was your Zync backdated?

And Congrats on the score increase!!

[JusdoNit]

down 14 points which is the same as eq from myFico