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Regular Contributor
masscredit
Posts: 226
Registered: ‎07-17-2012

Re: Wal-Mart December TU08 Score!! GO GO

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‎12-12-2012 08:58 AM

Up 13 to 655. Funny thing is, I've been giving my cards some use to buy Christmas gifts for others and of course, myself (really took care of myself this year). And the score went up! 

EX - No idea TU - 661 (Walmart 5/13/13 ) EQ - 684 (FICO -5/15/13)
Goal - 700 Club in '13!!!

My Wallet - Barclay's - $3700. Target - $3000. Cap 1 - $2500. Merrick - $1000. Orchard - $950. Walmart - $700. JCP - $200.

Message 81 of 101 (359 Views)
 
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Valued Member
desie25
Posts: 71
Registered: ‎12-07-2012

Re: Wal-Mart December TU08 Score!! GO GO

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‎12-12-2012 09:12 AM

Mine went up 2 pts I guess better than nothing 

Starting Score: 522
Current Score: 625
Goal Score: 700

Take the FICO Fitness Challenge

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Valued Member
EmpressLuv
Posts: 50
Registered: ‎08-29-2012

Re: Wal-Mart December TU08 Score!! GO GO

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‎12-12-2012 09:19 AM - edited ‎12-12-2012 09:20 AM

How weird I did a lender pull last week and it comes back with TU as 658 and now Walmart is reporting at 644.....

 

edited to accurately put the lender pull score, lol

My Wallet: AMEX Gold NPSL, Victoria Secret 550, Macy's 2K, Kay's 4K, HSBC 1.15K, Cap 1 500, QVC 500, Walmart 1200

Current Scores: Lender Pull: 2/16/13 TU: 672 EX: 681 EQ: 671
Goal Score: 700
Message 83 of 101 (342 Views)
 
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New Contributor
KausticRage
Posts: 50
Registered: ‎10-10-2012

Re: Wal-Mart December TU08 Score!! GO GO

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‎12-12-2012 11:33 AM

My score stayed the same at 717.  I had several new accounts in November so no complaints here :smileyvery-happy:

April 2013 FICO Scores
Experian - 709 Chase Freedom Pull
Equifax - 788 BofA MLB Rewards Pull
Trans Union - 778 (GE Money Bank CLI scores)

In the Garden until at least 2014 to let the new accounts age and HP's fall off. 800 club here I come...
Message 84 of 101 (312 Views)
 
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Contributor
BlueHusky
Posts: 184
Registered: ‎04-01-2012

Re: Wal-Mart December TU08 Score!! GO GO

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‎12-12-2012 12:26 PM - edited ‎12-12-2012 12:28 PM

Well, my highest so far was 783 in March and April...but then I went on an App spree (Chase Sapphire, AMEX to name a few) - dropped as low as 761 by October. Up to 766 for November and now 768 for December. Making my way back up the mountain!

 

Goal is 800!

 

(Amazing considering my scores were in the 500 range just 2-3 years ago. Luckily that was ALL due to utilization (95%+) because I was living off of my cards...but I still never paid a single late fee. Once I paid them off over the last few years of hard work, my score shot up. It's so wonderful!)



Starting Score: 583 (CreditKarma, 2009)
Current Score: 783 (Walmart Free FICO, March 20, 2012), 774 (Equifax, BoA Pull, 2/20/13)
Goal Score: 800+

Take the FICO Fitness Challenge
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Established Contributor
emptypockets
Posts: 520
Registered: ‎02-03-2009

Re: Wal-Mart December TU08 Score!! GO GO

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‎12-12-2012 12:54 PM

Went from 777 last month, to 790 this month. Small drop in util (still around 7%).  Also may possibly be due to cards from app spree from June now being 6 mos old. I am sure as things age more, I will see 800 again.

CC's: AMEX Delta/BCP/HH, Alliant Visa, PenFed AMEX, Nordstrom Sig Visa, Lowe's, BBRZ Plat, US Bank Visa Sig Cash+, Chase CSP/Freedom/Marriott, UMB Visa, Dillard's AMEX, US Airways MC, Barclay's NFL Visa, Home Depot, Citi Diamond Pref./Dividend, Discover More, Walmart Discover, Cabela's Visa, Cap One Cash Rewards Visa, BOA Better Balance Rewards MC, Jared, Kohl's, Macy's.

Current Scores: EQ (5/19/13): 743; TU (MyFico 5/19/13):766; Walmart TU Fico 08 (5/13/13): 791; EX (8/21/12 AMEX pull): 779
Message 86 of 101 (273 Views)
 
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Established Contributor
armbenderc
Posts: 796
Registered: ‎09-11-2012

Re: Wal-Mart December TU08 Score!! GO GO

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‎12-12-2012 03:35 PM

emptypockets wrote:

Went from 777 last month, to 790 this month. Small drop in util (still around 7%).  Also may possibly be due to cards from app spree from June now being 6 mos old. I am sure as things age more, I will see 800 again.

Definately see 800 as your account will age. :smileysurprised:

Current Score: Amex Plus (02/13): 728 EX, 728 EQ, Discover LP (03/13): 731 TU, Walmart TU08 (04/13) 734
2013 App'd: 03/01/13 - Discover IT (Approved), 03/04/13 - Amex BCE (Approved), 05/04/13 - CSP (Approved)
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Frequent Contributor
brother7
Posts: 327
Registered: ‎02-06-2009

Re: Wal-Mart December TU08 Score!! GO GO

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‎12-12-2012 04:07 PM

armbenderc wrote:

Definately see 800 as your account will age. :smileysurprised:

Wouldn't it be great if your accounts could age but your real age stays the same... or gets younger? :smileyfrustrated: 


11/02/2012 Peak - EQ 790 (ScoreWatch FICO)
05/15/2013 Current - EQ 761 (ScoreWatch FICO)
GOAL - 800! - App free since 3/8/2013
Message 88 of 101 (224 Views)
 
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Contributor
Karunch
Posts: 88
Registered: ‎01-31-2008

Re: Wal-Mart December TU08 Score!! GO GO

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‎12-12-2012 04:13 PM

This month I'm up 7 to 685... I'm definitely making progress.

Starting Score: 686 EQ (8/9/12), 668 TU (WalMart 8/8/12)
Current Score: 690 EQ (4/1/13), 689 TU (WalMart 3/4/13)
Goal Score: 700+ in 2013

Take the FICO Fitness Challenge
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Regular Contributor
SFernandez13461
Posts: 194
Registered: ‎02-24-2011

Re: Wal-Mart December TU08 Score!! GO GO

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‎12-12-2012 04:20 PM

Down six points this month to 774, but I have some newer accounts, so I expected a dip. If only my EQ were that high. . . 


Starting Scores: 10/9/10 EQ 632
Current Scores: (9/5/12) EX 761 EQ 657 TU 780
Derogs Removed: LVNV, Union Bank, EOS-CCA, Zenith Acquisitions, Marigold Financial, Credit Collection Services, California Business Bureau
Working On: Portfolio Recovery Associates, Midland Credit Management, Credit One
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