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Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

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

well this actually brightned my night a little. refer to smorgas board for more details. 

 

anyways guess walmart doesnt care about util. and a 70% used cl. 

best buy went from 2% to 70% result is a one point drop from 743 to 742. 

jan 10th cant come fast enough. 

Current: Discover Fico 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Valued Contributor
maiden_girl
Posts: 2,106
Registered: ‎12-29-2011
0

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

I feel like Walmart may be phasing out of the FICO score thing soon. They took really long to update the December score. Plus that and I recently found out Discover stopped offering credit score tracker. Not that they are related or anything. Just a feeling. I hope they don't. I like getting my monthly FICO free.

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
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

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


maiden_girl wrote:

I feel like Walmart may be phasing out of the FICO score thing soon. They took really long to update the December score. Plus that and I recently found out Discover stopped offering credit score tracker. Not that they are related or anything. Just a feeling. I hope they don't. I like getting my monthly FICO free.


hope not its really the only reason i got the walmart card. of course the 5k limit doesnt hurt either. 

 

 

Current: Discover Fico 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Valued Contributor
maiden_girl
Posts: 2,106
Registered: ‎12-29-2011
0

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


creditnocash wrote:

maiden_girl wrote:

I feel like Walmart may be phasing out of the FICO score thing soon. They took really long to update the December score. Plus that and I recently found out Discover stopped offering credit score tracker. Not that they are related or anything. Just a feeling. I hope they don't. I like getting my monthly FICO free.


hope not its really the only reason i got the walmart card. of course the 5k limit doesnt hurt either. 

 

 


Me too! Plus I barely used my card for the FIRST time yesterday! After 3 months of having it, no activity. I feared they would close it b/c I've been getting the free monthly FICOs without havin used it! I figured the reason I hadn't gotten my FICO yet was b/c they knew I was just using them for it. LOL. So I ran out and rented a movie from redbox. Lol. I'll have a $1.31 statement balance. Sorry Walmart. Your APR is just too high. But I do love your FICO!

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
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

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


maiden_girl wrote:

creditnocash wrote:

maiden_girl wrote:

I feel like Walmart may be phasing out of the FICO score thing soon. They took really long to update the December score. Plus that and I recently found out Discover stopped offering credit score tracker. Not that they are related or anything. Just a feeling. I hope they don't. I like getting my monthly FICO free.


hope not its really the only reason i got the walmart card. of course the 5k limit doesnt hurt either. 

 

 


Me too! Plus I barely used my card for the FIRST time yesterday! After 3 months of having it, no activity. I feared they would close it b/c I've been getting the free monthly FICOs without havin used it! I figured the reason I hadn't gotten my FICO yet was b/c they knew I was just using them for it. LOL. So I ran out and rented a movie from redbox. Lol. I'll have a $1.31 statement balance. Sorry Walmart. Your APR is just too high. But I do love your FICO!


i actually didnt use it for like the first month and a half i got it. (july) 

then in sep i charged 2 things and pif before statement cut. 

then charged once on whats on the statement now 245. one statement in 5 months and 2 cli from 800 to 5k. sadly american eagle isnt that generaous. 

anyways ill be holding off on any more cli until my util goes down. according to my cc issuer, i spent about 700 bucks tonight. woohoo! good thing statement cuts next week... LOL

Current: Discover Fico 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Valued Contributor
maiden_girl
Posts: 2,106
Registered: ‎12-29-2011
0

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

Hahaha. 5k! That's awesome! Is it the Discover version? I think I'd die if my Wally Discover gave me a 5k limit before my real Discover did. I'll be requesting a CLI in about 2 weeks and use the "it'll be for holiday purchases and I plan on carrying a balance" excuse. Gold. Lol. They'll probably see my one $1.31 charge and be like PLLLLZZ. Lol.

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
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

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


maiden_girl wrote:

Hahaha. 5k! That's awesome! Is it the Discover version? I think I'd die if my Wally Discover gave me a 5k limit before my real Discover did. I'll be requesting a CLI in about 2 weeks and use the "it'll be for holiday purchases and I plan on carrying a balance" excuse. Gold. Lol. They'll probably see my one $1.31 charge and be like PLLLLZZ. Lol.


sadly no! thats why i barely use it lol. i just told my parents to go use it and id pay for it. 

like you said my apr is crazy high so its always pif. just not this time since they did it like a couple days before the statement cut and didnt tell me. 

my aaoa now is 10 months or something like that no baddies. im surprised they havent offerd me the discover version. 

ive gotten pre approved for the more an it but im not accepting any new accounts anyways. but amex might have to wait if discover offers me the upgrade. 

 

Current: Discover Fico 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Valued Contributor
maiden_girl
Posts: 2,106
Registered: ‎12-29-2011
0

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


creditnocash wrote:

maiden_girl wrote:

Hahaha. 5k! That's awesome! Is it the Discover version? I think I'd die if my Wally Discover gave me a 5k limit before my real Discover did. I'll be requesting a CLI in about 2 weeks and use the "it'll be for holiday purchases and I plan on carrying a balance" excuse. Gold. Lol. They'll probably see my one $1.31 charge and be like PLLLLZZ. Lol.


sadly no! thats why i barely use it lol. i just told my parents to go use it and id pay for it. 

like you said my apr is crazy high so its always pif. just not this time since they did it like a couple days before the statement cut and didnt tell me. 

my aaoa now is 10 months or something like that no baddies. im surprised they havent offerd me the discover version. 

ive gotten pre approved for the more an it but im not accepting any new accounts anyways. but amex might have to wait if discover offers me the upgrade. 

 


I think it takes a minute before they offer the upgrade--some two and three years with the store card. I think you can call and inquire about the upgrade too and they manually review it. It doesn't hurt! :smileyhappy:

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
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

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

no thanks. no hard pulls until after 8/30/12 unless its amex for the backdating. will be requesting freedom cl to match my new card which at that point will have 6 months of reporting history at 5k.  freedom is at 500=/

firmly in the garden. 

say it with me! lol 

Current: Discover Fico 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Regular Contributor
Tran92
Posts: 217
Registered: ‎09-25-2012
0

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

They better not discontinue it or the majority of us would be pissed lol. This card would only be useful to me for the CLIs.

TU 746 (10/13)
GOAL: 750+







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