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Wal-Mart December TU08 Score!! GO GO

Valued Contributor

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

OPEN UTL! Heck yea!

As of 2017, rebuilding...
Message 51 of 101
Established Contributor

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

yeeeowch, but not as bad as I'd expected. Lost 40 points from UT being high post-home purchase/holiday shopping. At least it doesn't have anywhere to go, but up, right?

Starting Score: 10/1/2011 EQ 568 TU 593
Current Score: EQ 664 TU 700 EX 701 (FAKO)

Message 52 of 101
Valued Contributor

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


thankfulheart wrote:

yeeeowch, but not as bad as I'd expected. Lost 40 points from UT being high post-home purchase/holiday shopping. At least it doesn't have anywhere to go, but up, right?


thats not bad. in a few months your scores will rebound...

 

reasons given for my score being "low" aaoa is not high enough. 

to high of a balance on an installment loan. 

 

before i got the loan though they said it lacked of having variety on my report. 

i give up. 

 

simple as that. use them pif and never be late. dont aplly for something you dont NEED not want NEED. and your scores will rise. end of story. gn everyone lol

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 53 of 101
Frequent Contributor

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

Unfortunately the update I've been looking forward to for the past month was disappointing. My score dropped 25 points from 762 to 737...

The reasons given were:

1) You have a short credit history.

2) You've made heavy use of your available revolving credit.

Oh well, there's always next month. I foresee it bouncing back to where it was if not taking a quantum leap forward due to the Amex backdating power of a January app along with the holiday shopping season coming to an end causing a huge drop in utilization.
Amex B.C.E. - $2.5k - Amex Everyday - $5k - N.C.F.C.U.M.C. - $5k - Amex Gold - NPSL/35k P.O.T. - Discover It - $12k - Sam's Club M.C. - $10k -
Walmart M.C. - $7.5k - Citi T.Y.P. - $10k- Chase Freedom - $5k - Chase Marriott - $7.4k - U.S. Bank Cash + - $6k -
W.M. TU-781(Jan/15) Citi EQ-782(Dec/14) EX-782(Oct/14)
Audi, Vide, Tace. . .
Message 54 of 101
Established Contributor

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

Up 30 points from 711 to 741! Smiley Surprised

 

I did a BT for a couple of my lower-limit cards so that my only balance is on one card, about $1800 balance with $2000 limit. Nearly all of the $1800 is left over from school expenses that I just haven't been able to pay off yet, and I got a sweet BT offer from Citi (0% until 09/13) that I couldn't resist. A couple of the cards were near maxed out so I guess paying them off and having all debt on one card helps tremdendously.

 

There's nothing else that could have caused this as nothing else has changed on my report.

Photobucket
Message 55 of 101
Established Contributor

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

Down 10 to 719. I'll take it. New cards reporting and uti is up.


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 56 of 101
Established Contributor

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

Woo-hoo!! up 15 from 700 to 715!!! I'll take it! 


NFCU Signature Visa Cash Rewards, NavChek, Citi AA AMEX, Cap1 Cash Rewards, Discover IT, Home Depot, Sears, Walmart, Chase Freedom, AMEX Green, Lowe's, AMEX BCE, Chase Sapphire Preferred, AMEX Hilton Honors Surpass, PayPal Extras MC, PenFed Platinum Cash Rewards, AMEX Platinum

GC Challenge: App Free since 1/8/13. No more apps til 2014






Message 57 of 101
Established Contributor

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

Mine is at 0   What is up with that???

TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Message 58 of 101
Valued Contributor

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

TU frozen maybe?
Message 59 of 101
Established Contributor

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


kevinjjc wrote:
TU frozen maybe?

I don't know....I will check it again later today. If it don't fix....I wonder who I would call or would I have to wait another month?

TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Message 60 of 101