Reply
Valued Contributor
Jazzzy
Posts: 2,678
Registered: ‎07-29-2009

WalMart TU FICO...AUs?

We don't have a WalMart cc. I'm tempted because of being able to get the TU FICO. I could then cancel the TU Quarterly Monitoring we do here through MyFICO.

 

Question...is the FICO just for the main cardholder if it is an individual? Can an AU see their FICO? What if my husband and I apply jointly...do we BOTH get to see our FICOs?

 

I would appreciate any advice on the logistics of this. Also...better to app in store or online?

Valued Contributor
jsucool76
Posts: 2,770
Registered: ‎12-11-2011

Re: WalMart TU FICO...AUs?

[ Edited ]

AUs cannot see their scores. AUs don't get their own online accounts or anything, they get a card, and then the PCH just has to pay the bill :smileytongue: 

 

 

Store or Online: IMO Better to open in store (not any real benefit approval wise, except maybe being able to verify your identity) but if you open and charge a purchase of $100+ you will get $20 off. To do this after apping online, you have to link the application to a walmart account, and you'll be given a temporary account number, and you have to make the purchase online afaik. 

Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart Discover: 2000CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 2000CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
Valued Contributor
Jazzzy
Posts: 2,678
Registered: ‎07-29-2009

Re: WalMart TU FICO...AUs?

I see there is a WalMart card and a WalMart Discover card. Do you get to see the TU FICO with both of them? Do you choose to app for one or the other?

Valued Contributor
jsucool76
Posts: 2,770
Registered: ‎12-11-2011

Re: WalMart TU FICO...AUs?

You will see it with both of them, but you don't choose which to app for. You basically app for both. 

 

You send in one app, they attempt to give you a WM Discover, if they can't they attempt to give you WM Store card, and then if they can't do that you're denied. 

 

from what I've read most people will usually see an upgrade from a WM to WM Discover within 1-2 years if you keep your account in good standing 

Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart Discover: 2000CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 2000CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: WalMart TU FICO...AUs?

I would app in store, just like jsu said if they need any other info they can get it for you.



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+