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WALMART FICO IS UP (SEPT/2012)!!!!

Super Contributor

Re: WALMART FICO IS UP (SEPT/2012)!!!!

769, No Change.

 

 

 

Ron.

Message 31 of 61
Regular Contributor

Re: WALMART FICO IS UP (SEPT/2012)!!!!

I am up 4pts to 675... I have an additional 4 inq since last month so no bad. I know it will drop alot once my new accounts hit.

Current 3B scores Dec 2016: EQ: 794 TU: 785 EX: 755
Mortgage scores Dec 2016: EQ: 744 TU: 748 EX: 743
2017 Goal: reduce debt and purchase first home
Total credit lines: 112K
Message 32 of 61
Regular Contributor

Re: WALMART FICO IS UP (SEPT/2012)!!!!

Down 13pts for 3 new TLs. (Two student loans One CC) not bad.
In My Wallet: Amazon (5/2011) $2200 -- CareCredit (9/11) $4200 -- Capital One Green Cash Rewards (01/12) $3000 -- Citi Forward (1/12) $2500 -- Walmart Store Card (1/12) $1100 -- Maurices (8/12) $200

Starting Score: EX 567 9/13/2010
Current Score: EX(FAKO) 639 EQ(FAKO) 628 TU(FAKO) 662 11/13/2012
Goal Score: 750
Message 33 of 61
Established Member

Re: WALMART FICO IS UP (SEPT/2012)!!!!

Im up +2 points.. 794... Just opened a Dillards AMEX 6,000 cl and Apple Barclays 10,000...looking good

Message 34 of 61
Established Contributor

Re: WALMART FICO IS UP (SEPT/2012)!!!!

down 18 points to 711...not surprised or worried as I have couple new accounts, have transferred a balance, and being in the garden I'm not trying to optimize my score as far as number of cards reporting a balance and overall util (37%)...the number I'm very happy with is interest paid this month on balances will be $0

 

 

Message 35 of 61
Frequent Contributor

Re: WALMART FICO IS UP (SEPT/2012)!!!!

OUCH!!  Made my payments (on 2 cards) the day after my statements posted to the CRA's, so my heavy balances (that I PIF every month usually before the statement cuts) dinged my score by a whopping 45 points!  I checked my reports to make sure there was nothing else that happened, but it was just the utilization.  So, for those of you wondering how much impact your utilization has....there it is!  Fortunately, I am in the garden so it's not a problem, but does make you feel like you're going to lose your lunch to see that kind of drop in your score.  lol

Message 36 of 61
Frequent Contributor

Re: WALMART FICO IS UP (SEPT/2012)!!!!

From 754 to 719 after 3 new TLs and a brand new car loan. Not bad 

Lender pulled 10-10-13
EQ Fico 715 | EX Fico 714 | TU Fico 703
Message 37 of 61
Valued Member

Re: WALMART FICO IS UP (SEPT/2012)!!!!

633 to 652. Not bad but the Walmart FICO is usually lower than the myfico version.

 

Smiley Sad

Message 38 of 61
Mega Contributor

Re: WALMART FICO IS UP (SEPT/2012)!!!!

Down 6 to 699 Smiley Mad




EQ FICO 548 3/3/16
Message 39 of 61
Frequent Contributor

Re: WALMART FICO IS UP (SEPT/2012)!!!!

Im up one point....I had a 669 and not it is a 670....Anywayz

 

But in other good news, I was offered to upgrade to the Discover Card with Walmart and a 4K limit so Im quite alright.

 

 


Starting Score: 601
Current Score: 670
Goal Score: 700


Take the FICO Fitness Challenge

NFCU Rewards- 8K......AMEX Delta Skymiles-5k.....Citi AAdvantage AMEX-3.5K...WalMart Discover-4K....Old Navy Visa-2k...BOA-3000...AMEX Green-NPSL....Discover More-1K
Message 40 of 61