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November Walmart Scores are UP!

Established Contributor

Re: November Walmart Scores are UP!

Down 6 points- likely will go down again next month when Amex reports. That is okay...going forward!

100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Message 11 of 85
Established Contributor

Re: November Walmart Scores are UP!


j_casteel wrote:


distantarray wrote:

-2  =(

 

 


DAMN!!

 

nice jump from August to September....cleaned some stuff up?


Removed First Premier x 2 Smiley Happy   I sent them a nutcase letter stating I would sue them for 51 violations on my credit report  for $51,000

 


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 12 of 85
Established Contributor

Re: November Walmart Scores are UP!

 

 


kobe2012 wrote:

+26  622 to 648.... how come walmart TU is much lower that the one here on myfico.....


Walmart is TU08, MyFico is TU98, Most lenders us Fico04, and not one sells Fico04 so it's a fun cat and mouse game. Although EQ score here is Fico04 and accurate to most lenders, TU is not, only Barclay is believed to still use MyFico's 98 version.
Most lenders will not use Fico08 cause it's more friendly to consumers.
1. AU's have a lessened effect on your score
2. charge off or collections under $100 does not factor into your scoring
3. small mistakes like 30 days late have less of an affect.
those are small 3 changes in Fico08 but lenders prefer Fico04 cause it's the most damaging to consumers scores. they want to give subprime lending for life !

total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 13 of 85
Valued Contributor

Re: November Walmart Scores are UP!


distantarray wrote:

j_casteel wrote:


distantarray wrote:

-2  =(

 

 


DAMN!!

 

nice jump from August to September....cleaned some stuff up?


Removed First Premier x 2 Smiley Happy   I sent them a nutcase letter stating I would sue them for 51 violations on my credit report  for $51,000

 


lol, thats awesome!!

 

I tried to get some GW and PFD with them and talked with a "VP" about it for like 30mins and he said while I was making complete sense, and that he personally agreed with me. That as a representative of FP and a person who has to abide by their policies he couldn't remove anything.

 

It gives me an idea though of the possible jump i will have when my derogs fall off in 1.5yrs.

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Message 14 of 85
Established Contributor

Re: November Walmart Scores are UP!

Up 23 to 747.Smiley Happy  


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

Message 15 of 85
Valued Contributor

Re: November Walmart Scores are UP!

My TU FICO jumped up to 707 Smiley Happy Signature update time!

As of 2017, rebuilding...
Message 16 of 85
Regular Contributor

Re: November Walmart Scores are UP!

Up 39 points to 746!!! Awesome feeling!!

Cards: AMEX Zync NPSL, AMEX BCE, NFCU LOC $15K, NFCU Visa Signature cashRewards $14K, NFCU Flagship Visa Signature $14K, USAA Platinum M/C $3.5K, USAA AMEX $2K, Capital One Cash Rewards $3.5K, WalMart $10K, Lowes $10K, Home Depot $8250, Amazon $4K, Discover IT $1K

Starting Score: EX: 570 EQ: 520 TU 602
Current Score: AMEX EX:717 MyFico EQ 688 Walmart TU 749 MyFico TU 740
Goal Score: 750+ across the board


Take the FICO Fitness Challenge
Message 17 of 85
Valued Contributor

Re: November Walmart Scores are UP!

Steady at 731

FICO Scores Updated 07/15 EQ08 748 EX08 748 TU08 818
Message 18 of 85
Senior Contributor

Re: November Walmart Scores are UP!

Damn!!!!! Mine went down 6 pts:-( to 690. Why can't I just break 700!!!!!!! Lol ugh! Must be the inqs from Amex/discover that dropped me. When Discover and Amex finally start reporting, it'll prob drop another few points lol :-(
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 19 of 85
Established Contributor

Re: November Walmart Scores are UP!


j_casteel wrote:

lol, thats awesome!!

I tried to get some GW and PFD with them and talked with a "VP" about it for like 30mins and he said while I was making complete sense, and that he personally agreed with me. That as a representative of FP and a person who has to abide by their policies he couldn't remove anything.

It gives me an idea though of the possible jump i will have when my derogs fall off in 1.5yrs.


I dunno mine was a really stupid case. 51 reporting violations were actually 51 late payments reporting...... with illegal re-aging of my accounts with different years across the board lol, so not sure if your scores would jump like mine, but yea it was a complete mess.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 20 of 85