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Wal-Mart December TU08 Score!! GO GO

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Valued Contributor

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

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! 

Cap 1 - $23,000 / Lowe’s - $17,000 / Barclay Rewards - $16,400. / Capital 1 - $15,000 / Walmart - $15,000
Cap 1 - $12,000 / PenFed - $10,000 / Penney - $10,000 / Barclay Apple Rewards - $4000 / Merrick - $2500


EQ - 740 / TU - 748 / EX - 748
Message 81 of 101
Valued Member

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

Mine went up 2 pts I guess better than nothing 


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


Take the FICO Fitness Challenge

Message 82 of 101
Contributor

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

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, AMEX BCE 1K, Express 1350, Victoria Secret 2250, Macy's 2000, Kay's 7600, Capital One 1400, Capital One 4000, Quicksilver One 3500; Quicksilver 3000; QVC 3500, Walmart 6000, Pier 1 1250, Kohl's 1500, JCrew 1550, JCPenny 3600, Discover 1500, Lowes 12000, Amazon 2400

Lender Pull: 2/16/13 TU: 672 EX: 681 EQ: 671
Current Scores: 2/6/15: TU 696 EX: 679 EQ: 658
Goal Score: 700
Message 83 of 101
New Contributor

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

My score stayed the same at 717.  I had several new accounts in November so no complaints here Smiley Very 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
Contributor

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

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
Message 85 of 101
Valued Contributor

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

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 (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (3), Chase (5), US Bank Cash+, Huntington Voice, UMB Visa, Nasa Plat Cash Visa, Barclay's Visa, Discover IT, Cap One QS, BOA (2), BMW Visa, 5/3 Real Life Rewards MC; FNBO Amex; Comenity Visa/MC (4), Ebates Visa Siggy, Nordstrom Visa, Walmart MC, Sam's Club MC; A few assorted store cards.

Current Scores (09/2017): EQ My Fico: 801; TU MyFico: 799; EX (My Fico): 797
Message 86 of 101
Valued Contributor

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


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. Smiley Surprised

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Message 87 of 101
Frequent Contributor

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


armbenderc wrote:

Definately see 800 as your account will age. Smiley Surprised


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



06/30/2017 - EX 807 (Credit Scorecard EX FICO® Score 8, range 300-850)
07/20/2017 - TU 819 (Discover TU FICO® Score 8, range 300-850)
07/25/2017 - EQ 842 (Citi EQ FICO® Bankcard Score 8, range 250-900)
GOAL - 800! - App free since 12/13/2015
Message 88 of 101
Contributor

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

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

Message 89 of 101
Frequent Contributor

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

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. . . 


EX 695, EQ 703, TU 681 (1/17)
Message 90 of 101