Credit Cards

[rm3]

Received my Walmart card in the mail today and pulled my first TU Fico 650:-) Excited to see it go up. How does it compare to TU Fico from here? within 10-20 pts?

[LS2982]

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android01 wrote:

Down 2 to 840.  I opened a new account last month whilst having too many cocktails.....

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^^^^^^^^^^^^^^^^^^^^^^^^

DRAPPER!!!!!!!!!

[bobomb01]

Down 23

[android01]

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LS2982 wrote:

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android01 wrote:

Down 2 to 840.  I opened a new account last month whilst having too many cocktails.....

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^^^^^^^^^^^^^^^^^^^^^^^^

DRAPPER!!!!!!!!!

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  I also got about 40K in CLI's which resulted in a few hard pulls.  I drapped for the Barclay Ring card (why, I don't know) and got a 20K CL.  Alcohol and a predisposition to credit addiction don't make for a happy CR.  I lost over 20 points on EQ and about the same on TU98 so I'm below 800 for a few months on those.  Luckily, there were no EX pulls, so all is well there, and the Walmart TU08 doesn't seem to place as much emphasis on a new account or a couple of inqs.  I will drapp no more! 

[avidlinuxuser]

Up 40 to 645. That makes my Experian, TU, and Equifax Fico scores all 640+ My Equifax Fico and Experian Fico are still much higher than the version of TU used for Walmart Fico scores. I chalk that up to different standards and not really a difference in what's reported or not.