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WALMART FICO AS OF TODAY

Contributor

WALMART FICO AS OF TODAY

My first fico score from Walmart Shows 698
I'm so happy I wonder how high can it go in 2 years cuz I'm not applying till all inquiries go away from my credit report on 10/2014 Smiley Happy

Feels great to know scores are going up again since my score dropped 90 points after all the new accounts and new credit lines Smiley Happy
9 REPLIES
Senior Contributor

Re: WALMART FICO AS OF TODAY

Omg! A 90 point drop sounds horrible! Congrata though :-D
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
Contributor

Re: WALMART FICO AS OF TODAY

Yes. It was horrible! My fico 718 transunion. Dropped to 635. And finally today I register online for my Walmart credit card and I pulled my fico score which was 698 After 2 months it went almost all the way back to what it was Smiley Happy
Valued Contributor

Re: WALMART FICO AS OF TODAY


ezef3ar wrote:
Yes. It was horrible! My fico 718 transunion. Dropped to 635. And finally today I register online for my Walmart credit card and I pulled my fico score which was 698 After 2 months it went almost all the way back to what it was Smiley Happy

Good to know you are on almost up there!!! If you dont mind me asking...how many new tradelines did u open????

gardening since 5/21/2016
Valued Contributor

Re: WALMART FICO AS OF TODAY


ezef3ar wrote:
Yes. It was horrible! My fico 718 transunion. Dropped to 635. And finally today I register online for my Walmart credit card and I pulled my fico score which was 698 After 2 months it went almost all the way back to what it was Smiley Happy

Everyone should keep in mind that the WalMart TU FICO is a TU 08 score, which is very different from the TU 98 score that we get here at MyFICO. I have read here on the forums that the newer TU 08 provided by WalMart is more "consumer friendly," and it's not used by most lenders. The TU that is used most is the TU 04 score, and we can't buy that.

As an example, my TU 98 score from MyFICO is 772. My TU 08 score from WalMart is 817.

 

My husband's TU 98 score from MyFICO is 786. His TU 08 from WalMart is 815.

 

His two TU scores are closer together than mine are, but there is still quite a wide difference. It's frustrating to have so many FICO scores out there (let alone all the FAKO scores). And we never know which TU FICO a lender will pull.

Contributor

Re: WALMART FICO AS OF TODAY

Sure thing. dodgerslv. I got
Walmart I got and increase just today to 1500
Jcpenny increase today to 900
Amazon store card Increase today to 1200
PayPal extras master card my Highest limit 2000$
Navy federal cash rewards
Discover more card 750$

An 2000$ furniture loan

And my first card capitalone platinum 500$

N currently 10 months of history barely today
Smiley Happy
And. Jazzzy.
Bummer I was just getting happy about it lol
I mean it seems like theres a wide space between scores from Walmart and my fico I have to agree. I still waiting on my update on equifax from my fico I'm pretty sure I'm gonna see a different score Smiley Wink. Equifax it's my highest
Valued Contributor

Re: WALMART FICO AS OF TODAY


Jazzzy wrote:

ezef3ar wrote:
Yes. It was horrible! My fico 718 transunion. Dropped to 635. And finally today I register online for my Walmart credit card and I pulled my fico score which was 698 After 2 months it went almost all the way back to what it was Smiley Happy

Everyone should keep in mind that the WalMart TU FICO is a TU 08 score, which is very different from the TU 98 score that we get here at MyFICO. I have read here on the forums that the newer TU 08 provided by WalMart is more "consumer friendly," and it's not used by most lenders. The TU that is used most is the TU 04 score, and we can't buy that.

As an example, my TU 98 score from MyFICO is 772. My TU 08 score from WalMart is 817.

 

My husband's TU 98 score from MyFICO is 786. His TU 08 from WalMart is 815.

 

His two TU scores are closer together than mine are, but there is still quite a wide difference. It's frustrating to have so many FICO scores out there (let alone all the FAKO scores). And we never know which TU FICO a lender will pull.


+1

 

my tu score here is 682 (util) and walmart tu gave me 743 while amex + is 715

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

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

Re: WALMART FICO AS OF TODAY

My Walmart TU FICO is aways within 4 points of my TU FICO through here.  


Starting Score: 521 TU, 597 EQ, 574 EX on 6/20/2011
Current Score: 753 TU, 764 EQ, 766 EX on 02/17/2014
Goal Score: 720-740 Across the board


Take the FICO Fitness Challenge
Valued Contributor

Re: WALMART FICO AS OF TODAY

scores are irrelevant now a days.  the equifax fico sold here is prob your best bet in tracking your scores especially if your a member of a credit union.  other than that as long as your reports are clean and you keep util in check your good to go

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Valued Contributor

Re: WALMART FICO AS OF TODAY

 

 

My Walmart TU is at the other end of the spectrum compare to myfico TU.  Walmart TU 641, myfico TU 684.

And yeah, my credit union uses EQ exclusively, which happens to be my highest score at 702.