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Sorry if this has been covered before - I did try looking.
I know the Walmart card provides a TU08 score once a month, but does it provide any other additional information from the TU report? Ways to improve score? Basically, how does it compare to myFICO.com's quarterly monitoring product?
I am thinking of applying for the Walmart Discover card for the FICO score, but I want to know more about what it really gives before I apply.
Also, what are the chances I would get approved for the Walmart Discover over the store card?
Equifax FICO 775 (pulled 7 days ago from myFICO.com)
TU FICO 744 (pulled 2/15/13 from myFICO.com)
Income 25k/year
30k Student loan debt (deferred since in Grad school, but paying $400-500 towards a month).
In my wallet, oldest account 6 years old, youngest is 8 months, AAoA is 2.5 years:
Discover More, 3k
AmEx BCE, 15k <3
US Bank FlexPerks, 5k
Citibank Mastercard, 2k
Chase Slate, 3k
Kohls, 600
Utilization below 3%.
Inquiries on Equifax and TU, 1 in the past 8 months (unless Chase added one recently).
It gives the score (a TU08 model, so it's different than the one you'd get here or the one a mortgage lender would use). Then it gives a brief rundown of factors that are helping or hurt your score. It does NOT give any detail from your credit report.
There's also a graph function so you can track your score from month to month.
Just the score thats it but i guess thats all you need
I'm still waiting to be upgrade =\
Oh well, April is coming. Time for another CLI
Just applied for the Walmart Discover card and was approved for 1.2k limit.
Officially entering the garden now. I have a lot of good cards, and a free monthly TU08 FICO score!
I felt sort of... dirty applying for this card, though. They asked for a DL#, which I have never been asked for before. Shady, shady Walmart card with NO benefits to me other than a FICO score. Oh well. I guess I'll wander to Walmart every month or so to get some shampoo or something and run this card.
@KatherineLee wrote:Just applied for the Walmart Discover card and was approved for 1.2k limit.
Officially entering the garden now. I have a lot of good cards, and a free monthly TU08 FICO score!
I felt sort of... dirty applying for this card, though. They asked for a DL#, which I have never been asked for before. Shady, shady Walmart card with NO benefits to me other than a FICO score. Oh well. I guess I'll wander to Walmart every month or so to get some shampoo or something and run this card.
Man thats a low CL for your scores.
try this # 1877 379 8173 and see if they can increase you. Good Luck!!