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Question about the score Walmart sent me

Established Member

Question about the score Walmart sent me

I applied for a walmart card a couple weeks ago and got an email saying they based my decision off of my score 409?!?! My scores are all in the 600's where do they get this information? It just worries me :/

Current Score: EQ 632 EX 653 TU 617
My Wallet: Barclay $2000 | Military Star $4200 | Navy Federal $3500 | Chase Freedom $1500 | Bank Of America $600 | American Eagle $500 | The Company Store $250 | Amazon $400 | Children's Place $150
OFFICIALLY GARDENING: 03/19/13 to 09/19/13 or later
Message 1 of 8
7 REPLIES
Valued Contributor

Re: Question about the score Walmart sent me

This is where GEMB gets weird...

 

They used their own internal scoring system for approval/denial of your app, but the score you can get online monthly from the wally card is your real TU08.

Message 2 of 8
Established Contributor

Re: Question about the score Walmart sent me

409 does not seem realistic unless you have some alot of major baddies on your report.


DCU ( pulled 3/29/13) EQ04 683 | Amex (pulled 3/28/13) EX 760 | US Bank (pulled 3/28/13) EX 753
CreditKarma (4/19/13) TU-TR 701 | TU Vantage 788 | USAA FAKO (3/31/13) EX 728, EQ 699, TU 737 |
Inquiries (4/18/13) EX 13 | EQ 13 | TU 14
Message 3 of 8
Valued Contributor

Re: Question about the score Walmart sent me

Message 4 of 8
Established Member

Re: Question about the score Walmart sent me

No I only have two collections Paid and some missed payments on another credit card back from 2009

Current Score: EQ 632 EX 653 TU 617
My Wallet: Barclay $2000 | Military Star $4200 | Navy Federal $3500 | Chase Freedom $1500 | Bank Of America $600 | American Eagle $500 | The Company Store $250 | Amazon $400 | Children's Place $150
OFFICIALLY GARDENING: 03/19/13 to 09/19/13 or later
Message 5 of 8
Mega Contributor

Re: Question about the score Walmart sent me

Burned is correct.

GE uses their own in house scoring to approve apps, if any score looks weird to you the easiest way to tell if it is a FICO is look at the scoring model range. FICO is always between 300-850.



EQ FICO 548 3/3/16
Message 6 of 8
Valued Contributor

Re: Question about the score Walmart sent me

Deja Vu!!!

I just copied one of your priors, LS....good timing.

Message 7 of 8
Highlighted
Established Member

Re: Question about the score Walmart sent me

Thanks everybody!

Current Score: EQ 632 EX 653 TU 617
My Wallet: Barclay $2000 | Military Star $4200 | Navy Federal $3500 | Chase Freedom $1500 | Bank Of America $600 | American Eagle $500 | The Company Store $250 | Amazon $400 | Children's Place $150
OFFICIALLY GARDENING: 03/19/13 to 09/19/13 or later
Message 8 of 8