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Valued Contributor
Posts: 1,116
Registered: ‎07-17-2012
0

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! 


|****$10500***|****$8000*****|****$6000*****|****$3200****|****$1600****|****$3000*****|*****$3000*****|****$2500*****|
EX - 684 (MyFICO 3/05/15) TU - 680 (MyFICO 5/06/15 ) EQ 04 - 712 (DCU - 4/24/15) EQ 08 - 686 (MyFICO -3/05/15)
Valued Member
Posts: 79
Registered: ‎12-07-2012
0

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


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Contributor
Posts: 85
Registered: ‎08-29-2012
0

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

[ Edited ]

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 1600, Walmart 5000, Pier 1 1250, Kohl's 1500, JCrew 1550, JCPenny 3600, Discover 1500, Lowes 12000, Amazon 1200

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
New Contributor
Posts: 55
Registered: ‎10-10-2012
0

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 :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...
Contributor
Posts: 193
Registered: ‎04-01-2012
0

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

[ Edited ]

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+


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Valued Contributor
Posts: 1,049
Registered: ‎02-03-2009
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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 (4), Chase (6), Nordstrom Visa,US Bank Cash+, Huntington Voice, UMB Visa, Nasa Plat Cash Visa, Barclay's Visa, Citi (5), Discover IT, Walmart Discover, Sam's MC, Cabela's Visa, Cap One QS, BOA (2), BMW Visa, Comenity Visa/MC (3), Ebates Visa Siggy, 5/3 RLR MC, Diner's Club MC; Macy's AMEX; A few store cards.

Current Scores (5/2015): EQ My Fico: 789; TU MyFico: 777; EX (My Fico): 764
Valued Contributor
Posts: 1,339
Registered: ‎09-11-2012
0

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. :smileysurprised:

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%
Frequent Contributor
Posts: 384
Registered: ‎02-06-2009
0

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


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 EQ FICO)
01/06/2015 Current - TU 831 (Walmart MasterCard TU FICO 08 Classic)
GOAL - 800! - App free since 05/18/2015
Contributor
Posts: 93
Registered: ‎01-31-2008
0

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

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), 685 EX (3/25/14)
Most Recent Score: 684 EQ (3/26/14), 688 TU (3/25/14), 685 EX (3/25/14)
Goal Score: 700+


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Regular Contributor
Posts: 235
Registered: ‎02-24-2011
0

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. . . 


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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