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Valued Contributor
Posts: 2,019
Registered: ‎06-16-2012
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Re: Wal-Mart December TU08 Score!! GO GO

[ Edited ]

GangnamFICO wrote:

This is what happens when a single charge off derogatory falls off your report after 7 years.

 

 


Congrats!!! I have my first of 3 deragotary charge offs coming off the beginning of this year (cannot remember what month)

Cards: (Chase x7) (Citi x6) (Amex x5) (BofA x3) (US Bank x4) (Barclays x4) (WF x3) (Cap1 x3) (Synch x3) (Penfed x2) ( Macys Amex) (Discover, Nasa ,Diners x1) PLOC: Citi (18k) WF (10k)
Valued Contributor
Posts: 2,019
Registered: ‎06-16-2012
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Re: Wal-Mart December TU08 Score!! GO GO


maiden_girl wrote:

dodgerslv wrote:

went from 694 to 707 and my auto CLI havent reported yet (went from 1000 to 2500 on Macys, 600 to 2000 on Walmart, 3000 to 3500 on WF secured card) ututlity has gone down from 31% to 17% not counting increases yet! on my way up!


Oooo I was considering calling in to request a CLI on my Macy's card again considering the holiday season. Not that I'm going to use it but the open UTL would be nice.


you should...its a soft pull with them...i did to increase my utilization also.

Cards: (Chase x7) (Citi x6) (Amex x5) (BofA x3) (US Bank x4) (Barclays x4) (WF x3) (Cap1 x3) (Synch x3) (Penfed x2) ( Macys Amex) (Discover, Nasa ,Diners x1) PLOC: Citi (18k) WF (10k)
Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
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Re: Wal-Mart December TU08 Score!! GO GO


dodgerslv wrote:

maiden_girl wrote:

dodgerslv wrote:

went from 694 to 707 and my auto CLI havent reported yet (went from 1000 to 2500 on Macys, 600 to 2000 on Walmart, 3000 to 3500 on WF secured card) ututlity has gone down from 31% to 17% not counting increases yet! on my way up!


Oooo I was considering calling in to request a CLI on my Macy's card again considering the holiday season. Not that I'm going to use it but the open UTL would be nice.


you should...its a soft pull with them...i did to increase my utilization also.


I requested a increase like 4 months ago. From $100 to $1000 (I have no idea why it was so low but when I got the card...it was NPSL untul they begin reporting limits again and it was $100) Ha.

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Valued Contributor
Posts: 2,019
Registered: ‎06-16-2012
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Re: Wal-Mart December TU08 Score!! GO GO


maiden_girl wrote:

dodgerslv wrote:

maiden_girl wrote:

dodgerslv wrote:

went from 694 to 707 and my auto CLI havent reported yet (went from 1000 to 2500 on Macys, 600 to 2000 on Walmart, 3000 to 3500 on WF secured card) ututlity has gone down from 31% to 17% not counting increases yet! on my way up!


Oooo I was considering calling in to request a CLI on my Macy's card again considering the holiday season. Not that I'm going to use it but the open UTL would be nice.


you should...its a soft pull with them...i did to increase my utilization also.


I requested a increase like 4 months ago. From $100 to $1000 (I have no idea why it was so low but when I got the card...it was NPSL untul they begin reporting limits again and it was $100) Ha.


lol...i started with a 300 limit when it started reporting CL...i was auto increased to 1000 about 6 months ago and i just asked for one last month and got it...go for it, the worst they can say is no...they didnt ask how much i wanted but they told the most i can get is 2500 when i called.

Cards: (Chase x7) (Citi x6) (Amex x5) (BofA x3) (US Bank x4) (Barclays x4) (WF x3) (Cap1 x3) (Synch x3) (Penfed x2) ( Macys Amex) (Discover, Nasa ,Diners x1) PLOC: Citi (18k) WF (10k)
Regular Contributor
Posts: 135
Registered: ‎01-04-2012
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Re: Wal-Mart December TU08 Score!! GO GO

[ Edited ]

mine went up from 596 to 670.  so, if I were to pull my scores from my fico right now, would my TU score be the same?

FICO EQ: 633 8/15/12
lender pulled 11/3/12 EQ 661 TU 650 EX598
credit Karma 674 credit sesame: 663
B/K discharged 2/2006......closed 8/2012

May your limits be high and your balances low!

Moderator
Posts: 27,206
Registered: ‎09-13-2012
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Re: Wal-Mart December TU08 Score!! GO GO

No change for me...still at 697 even with 2 more trade lines.  I just knew it would drop.  Next month should be over 700 cause I received CLI on all but 2 and 2 should report withe 0 balances.  At least I crossed 700 on EXP - even though it came with a denial From Amex. :smileyembarrassed:

Valued Contributor
Posts: 2,019
Registered: ‎06-16-2012
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Re: Wal-Mart December TU08 Score!! GO GO


jnkp2001 wrote:

mine went up from 596 to 670.  so, if I were to pull my scores from my fico right now, would my TU score be the same?


most likely it would be cuz Walmart is TU08 while on my MyFico its TU98 (older version).

Cards: (Chase x7) (Citi x6) (Amex x5) (BofA x3) (US Bank x4) (Barclays x4) (WF x3) (Cap1 x3) (Synch x3) (Penfed x2) ( Macys Amex) (Discover, Nasa ,Diners x1) PLOC: Citi (18k) WF (10k)
Regular Contributor
Posts: 135
Registered: ‎01-04-2012
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Re: Wal-Mart December TU08 Score!! GO GO

[ Edited ]

dodgerslv wrote:

jnkp2001 wrote:

mine went up from 596 to 670.  so, if I were to pull my scores from my fico right now, would my TU score be the same?


most likely it would be cuz Walmart is TU08 while on my MyFico its TU98 (older version).


Sorry a little confused, but thats normal...lol.  You are saying the 98 scores are the same as 04 scores, or are they higher or lower?   Is what I'm actually asking .

 

 

edited due to grammer....:smileyfrustrated:

FICO EQ: 633 8/15/12
lender pulled 11/3/12 EQ 661 TU 650 EX598
credit Karma 674 credit sesame: 663
B/K discharged 2/2006......closed 8/2012

May your limits be high and your balances low!

Established Member
Posts: 43
Registered: ‎10-19-2012
0

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

Mine went from 734 to 775 :smileyvery-happy:
Valued Contributor
Posts: 2,019
Registered: ‎06-16-2012
0

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


jnkp2001 wrote:

dodgerslv wrote:

jnkp2001 wrote:

mine went up from 596 to 670.  so, if I were to pull my scores from my fico right now, would my TU score be the same?


most likely it would be cuz Walmart is TU08 while on my MyFico its TU98 (older version).


Sorry a little confused, but thats normal...lol.  You are saying the 98 scores are the same as 04 scores, or are they higher or lower?   Is what I'm actually asking .

 

 

edited due to grammer....:smileyfrustrated:


my bad...i meant most likely they would not be the same...sorry...:smileyhappy:

Cards: (Chase x7) (Citi x6) (Amex x5) (BofA x3) (US Bank x4) (Barclays x4) (WF x3) (Cap1 x3) (Synch x3) (Penfed x2) ( Macys Amex) (Discover, Nasa ,Diners x1) PLOC: Citi (18k) WF (10k)
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