11-15-2012 03:44 PM
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?
11-16-2012 02:42 PM
11-16-2012 03:11 PM
Down 2 to 840. I opened a new account last month whilst having too many cocktails.....
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!
11-17-2012 11:48 AM
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.