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November Walmart Scores are UP!

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crunching_numbers
Valued Contributor

Re: November Walmart Scores are UP!


@creditnocash wrote:

@Autumnslight wrote:

Up to 750. That just seems unbelievable. My TU score is SO much higher than EQ EX, it's insane!


although it may be true. remember that the walmart score is a tu08 while the ficos here are tu98

 

my tu08 score like stated above says 743 but here last time it was around 690. eq is steady as well. 

 

all my reports are essentialy the same except for inq's. all have same accounts all same age. 


The EQ FICO here is an EQ04, not an EQ98. However, the TU score from here IS a TU98. 


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 71 of 85
crunching_numbers
Valued Contributor

Re: November Walmart Scores are UP!

Also, the calculations are different and the initial reports are different. Make sure there is not an error or baddie on your low score.


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 72 of 85
distantarray
Established Contributor

Re: November Walmart Scores are UP!


@crunching_numbers wrote:

@creditnocash wrote:

@Autumnslight wrote:

Up to 750. That just seems unbelievable. My TU score is SO much higher than EQ EX, it's insane!


although it may be true. remember that the walmart score is a tu08 while the ficos here are tu98

 

my tu08 score like stated above says 743 but here last time it was around 690. eq is steady as well. 

 

all my reports are essentialy the same except for inq's. all have same accounts all same age. 


The EQ FICO here is an EQ04, not an EQ98. However, the TU score from here IS a TU98. 


also good to note TU08 is more consumer friendly. isolated instances like 30 day late payment affect your credit reports less, charge off under $100 does not factor into your scores, authorized users have a lessened affect etc.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 73 of 85
creditnocash
Valued Contributor

Re: November Walmart Scores are UP!


@distantarray wrote:

@crunching_numbers wrote:

@creditnocash wrote:

@Autumnslight wrote:

Up to 750. That just seems unbelievable. My TU score is SO much higher than EQ EX, it's insane!


although it may be true. remember that the walmart score is a tu08 while the ficos here are tu98

 

my tu08 score like stated above says 743 but here last time it was around 690. eq is steady as well. 

 

all my reports are essentialy the same except for inq's. all have same accounts all same age. 


The EQ FICO here is an EQ04, not an EQ98. However, the TU score from here IS a TU98. 


also good to note TU08 is more consumer friendly. isolated instances like 30 day late payment affect your credit reports less, charge off under $100 does not factor into your scores, authorized users have a lessened affect etc.


i have no baddies just low aaoa. (9/10 months currently) becuase of alot of new accounts. 

 

so guess tu08 sees  that less of a risk? cant wait to see what my scores will be like in aug of '13



Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23

Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE
Over 12 Months:0


2023 Goals:
Buy A Home
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000

Message 74 of 85
Errin1
Contributor

Re: November Walmart Scores are UP!

yeah I know...it seems they would report the debt every other month, until I got it fixed. I had no idea this was going on until the myfico family hipped me to the free walmart TU reports. Boy was I glad I applied for the card. Smiley Surprised Protecting your credit is a beast and my new obsession.


@SportBike4Life wrote:

@Errin1 wrote:

Mine's is down one point Smiley Mad

love the yoyo months....stupid alma mater kept reporting a debt I never owed....after leaving that place over 20 years ago. Smiley Surprised  I finally got it fixed. 


that's an interesting graph Smiley Wink


 

hr> src="http://i.imgur.com/LEYWe.png">Starting Score: TU 610 EQ 655 - 8/2010
Current Score: EQ 714 9/13 EXP 708 8/13 TU 717 8/13
Goal Score: too much of a yoyo, maintain the 700's for 2013

Take the FICO Fitness Challenge
Message 75 of 85
Errin1
Contributor

Re: November Walmart Scores are UP!

sheesh...where did my graph go????Smiley Surprised

hr> src="http://i.imgur.com/LEYWe.png">Starting Score: TU 610 EQ 655 - 8/2010
Current Score: EQ 714 9/13 EXP 708 8/13 TU 717 8/13
Goal Score: too much of a yoyo, maintain the 700's for 2013

Take the FICO Fitness Challenge
Message 76 of 85
gijoe4500
Regular Contributor

Re: November Walmart Scores are UP!

I'm up 7 points to a 679!  Slowly but surely going up each month.

Starting Score: MyFico TU: 621 EQ: 610
Current Score: Discover TU: 829 Discover EX: 827
Goal Score: 700's baby! (made it 4/10/2013!)
New Goal: 830!!
Message 77 of 85
heathuhhhhwebbbb
New Contributor

Re: November Walmart Scores are UP!

Just checked mine and its at 683 from 678!  Yay!

09/2013: TU FICO 692, EQ FICO 698, EX PLUS 709. No apps until December 2014!
Freedom: $1500 Cap1 Plat: $2000 Cap1 Cash: $1500 Barclays: $4000 Walmart: $2700 GE Luxury: $4800 Jared: $1500 Davids Bridal: $1500
Message 78 of 85
CruzImperial
Established Contributor

Re: November Walmart Scores are UP!

 

Down 23 points.. sucks..

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 79 of 85
colindidit
Established Contributor

Re: November Walmart Scores are UP!


last month i had a 743, went down to 716 this month...but jumped from 640 in september still good enough to me.

 

Wallet: Barclay-5k, Citadel MC- 5k, Slate- 4k, Freedom- 3k, BOA- 3k, Citi- 2k, AMEXBCE- 2k and more...
Message 80 of 85
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