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Valued Member
jennaxx
Posts: 45
Registered: ‎02-04-2013
0

Re: Walmart FICO

What is this about ? If you get approved for the Walmart/GE credit card, you can get your updated actual FICO score every month ? I got a pre-approval thing in the mail from them in early December but I missed the deadline to apply because my dad had a heart attack. If they sent me a pre-approval already I could probably apply and be approved. BUt I am intereste din hearing more about this. It's good stuff.

EQ 678 FICO on 2/4/13 EX FAKO (Quizzle) 639 on 2/8/13
TU FAKO (CK) 627 on 2/8/13 EX FAKO CS 737 on 2/15/13
Lender Pull 02/21/13 TU 684 EXP 730 EQ 678
SW alert on 02/22/13 EQ 688
Lender Pull (New car) 10/05/13 761
Community Leader
Valued Contributor
starry1
Posts: 2,325
Registered: ‎11-29-2012
0

Re: Walmart FICO

Yes, WalMart gives you a free fico every month if you get the card and then sign up for paperless billing.

Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 12/22/14 TU 659; EQ 649; EX 658
Goal Score:  625 for now– New goal 675

Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $10k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $500 / Target $400 / PPSC $800 / Texaco $400 (last app 09/29/14)
Valued Member
jennaxx
Posts: 45
Registered: ‎02-04-2013
0

Re: Walmart FICO

and it's an actual FICO ?

EQ 678 FICO on 2/4/13 EX FAKO (Quizzle) 639 on 2/8/13
TU FAKO (CK) 627 on 2/8/13 EX FAKO CS 737 on 2/15/13
Lender Pull 02/21/13 TU 684 EXP 730 EQ 678
SW alert on 02/22/13 EQ 688
Lender Pull (New car) 10/05/13 761
Established Member
BornSupercharged
Posts: 85
Registered: ‎02-08-2013
0

Re: Walmart FICO

Yes, TU08 FICO


Total CL $179k | Budget Management | FICO Scores (TU 693) (EX 718) (EQ 729) | EIDT Me+Spouse Plan
Valued Contributor
Gunnar419
Posts: 1,281
Registered: ‎01-23-2013
0

Re: Walmart FICO


jennaxx wrote:

and it's an actual FICO ?


It's an actual FICO, but using a newer model than the one most lenders (or MyFico) use. So there will still be differences between it and other TU scores.

Moderator
Revelate
Posts: 9,764
Registered: ‎12-30-2011
0

Re: Walmart FICO


Gunnar419 wrote:

jennaxx wrote:

and it's an actual FICO ?


It's an actual FICO, but using a newer model than the one most lenders (or MyFico) use. So there will still be differences between it and other TU scores.


Mortgage lenders true.  I strongly suspect the vast majority of national lenders in their credit cards have moved on to '08 and likely Bankcard-enhanced as well.  My Walmart FICO is markedly higher with a worse report than my EQ '04 here; I was stunned and amazed at my recent CC approvals until I saw the Wally score, which is far easier to explain how I managed to garner two Amex approvals over the last few months which were frankly a Hail Mary and an utterly laughable application respectively judging from the EQ and TU scores found here.

 

In all fairness to the wonderful service provided here, I'd much rather have an '08 than a '98 FICO model, though '04 is where it's at for me as mortgage > all for me these days.

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


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Senior Contributor
myjourney
Posts: 26,659
Registered: ‎02-07-2013
0

Re: Walmart FICO

+1 .....08

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13


Valued Contributor
indiolatino61
Posts: 1,483
Registered: ‎11-10-2012
0

Re: Walmart FICO

I have been having to "re-enroll" since I started in Dec. 2012. However, even though the date always updates, the score itself has not changed for me. Meanwhile, every other site I check (Creditkarma, et al) has changed scores monthly. 

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Community Leader
Senior Contributor
myjourney
Posts: 26,659
Registered: ‎02-07-2013
0

Re: Walmart FICO


indiolatino61 wrote:

I have been having to "re-enroll" since I started in Dec. 2012. However, even though the date always updates, the score itself has not changed for me. Meanwhile, every other site I check (Creditkarma, et al) has changed scores monthly. 


It only updates once a month

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13


Valued Contributor
dddewdrop
Posts: 1,060
Registered: ‎02-06-2013
0

Re: Walmart FICO

   The original premise of this thread is kind of moot now because we are waaay past the date in question. I logged in for the first time to the service and got my score fine. My info doesn't help empirically really cause it was the first time and thus I cant tell if my graph got erased cause i had no graph before. Oh well. I dont wanna look at my score anyway cause its so bad. Just gardenning here.

0/10001100/13001346/16001699/2000Prepaid ,,Recent scores:FICO EX 632,EQ 635,TU 632...Link to my Rebuild Log

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