@Revelate wrote:Hrm. Which cards does Walmart give the FICO scores on? Just their Discover, or also their store or some other card which I'm not aware of as well?
Thinking if the mortgage gets pushed off, once I get my auto loan refinanced might be worth trying to get one just for the freebie scores.
They offer the free TU FICO score for both their retail card and Discover card if you enroll in online statements.
Starting Score: TU: 566
Just a comment to the member who wrote that he did the enroll thing and got a different score: my guess is that your second score was the one that had already been sent to Walmart and was waiting to be reported on the statement (or however they do it.) It was picked up when you reenrolled.
For those who (understandably) aren't familiar with how a FICO score is generated: the scores are generated at the credit bureaus when pulled. Whoever asks for the score has to pay for it, and the payment is split between the credit bureau and FICO. (I suppose you can think of them as being co-owners of the score.)
With the scores on statements, the lender buys the scores in a batch. Then they post them on whatever schedule they have going (monthly, quarterly, whatever.) Frantically enrolling and unenrolling and reenrolling and reunenrolling and on and on doesn't affect the process. (This is how the program was explained to me, or at least, how I understood the explanation, meaning that this probably isn't precise 
, but it's reasonably close.)
So putting the two prior paragraphs together, and realizing that lenders aren't dumb and don't want to keep paying over and over for the same person to pull a score, my best guess is that you're just going to get one new score per month, regardless of whatever conniptions you might go through. Maybe you might get lucky and trick them into coughing up one extra score, and so whoopee, you'll see that you went up 3 points or down 2. But this doesn't look like a sneaky monitoring program for your TU FICO8 score.
And with that, let's go back to putting further discussion of this tactic off limits. 
@dalebb wrote:i got my new jan score 2 days ago, but it is dated 1/5/12
This would fit in with the way that the Scores on Statements program is run, where the lender buys a batch of scores all at once, and then posts them.
Not understanding that myFICO members are standing around drooling, waiting for our new scores , they get around to updating them 4 or 5 days later.
So we will get our new scores sometimes next week, that's not too far out.
@lithium78 wrote:
@Revelate wrote:Hrm. Which cards does Walmart give the FICO scores on? Just their Discover, or also their store or some other card which I'm not aware of as well?
Thinking if the mortgage gets pushed off, once I get my auto loan refinanced might be worth trying to get one just for the freebie scores.
They offer the free TU FICO score for both their retail card and Discover card if you enroll in online statements.
Thank you both Lithium and MarineVietVet!
