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Walmart October scores up!

Valued Member

Re: Walmart October scores up!

Up 15 points to 701! I'm getting there!

Starting Score: TU - 684 EQ- 639
Current Score: TU- 701 EQ- 715 EX- 701 from AMEX
Goal Score: 750 across the board
In my Wallet: Chase Sapphire Preferred - 5K, Chase Freedom - 4.5K, 1FBUSA - 2.4K, Walmart Discover -3K, Blue Sky Amex - 2K, Citi CashReturns - 1.5K, American Express PRG and Zync - NPSL, Delta Skymiles Amex - 1K, Discover More - 1.5K,ValuCity Furniture - 3.5K, CareCredit - 2.3K, A and F - 1.2K, Capital one - 1.25K and $750.
Valued Contributor

Re: Walmart October scores up!

Down 14 points from 750 to 736! Woot!!

 

Wait, am I going the wrong way? Should I be trying to get it to go up?

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Valued Contributor

Re: Walmart October scores up!

650 to 628. Hey, it's going the wrong way!  That's ok, I've had some inquiries, new accounts opened, have used those new accounts and a few that I paid down/off this month aren't included in this report from 10/3. 

 

Interesting to note that my fico score from here from 10/4 is 671. I'll give the new credit dust a month or two to settle then pull the reports to see if everything is still accurate if the numbers don't get closer by then.

Cap 1 - $23,000 / Lowe’s - $17,000 / Barclay Rewards - $16,400. / Capital 1 - $15,000 / Walmart - $15,000
Cap 1 - $12,000 / PenFed - $10,000 / Penney - $10,000 / Barclay Apple Rewards - $4000 / Merrick - $2500


EQ - 740 / TU - 748 / EX - 748
Valued Contributor

Re: Walmart October scores up!


Dustink wrote:

Down 14 points from 750 to 736! Woot!!

 

Wait, am I going the wrong way? Should I be trying to get it to go up?


Guess we both thought the same thing! Smiley Happy 

 

Cap 1 - $23,000 / Lowe’s - $17,000 / Barclay Rewards - $16,400. / Capital 1 - $15,000 / Walmart - $15,000
Cap 1 - $12,000 / PenFed - $10,000 / Penney - $10,000 / Barclay Apple Rewards - $4000 / Merrick - $2500


EQ - 740 / TU - 748 / EX - 748
Contributor

Re: Walmart October scores up!

Down 9 from 682 to 673 because I was impatient and app'd for Chase even though I knew I had too many Inq's. 

I am firmly in the garden until at least April so several of the inq's can age past a year. 


Walmart Discover ($5000) - Amazon ($5500) - Cap1 Cash Rewards ($2000) - Meijer ($5000) - Discover More ($1800) - Car Care One ($2100) - Amex Delta Skymiles ($2000) - Citi Thank You Preferred ($2000) - Chase Freedom ($500) - Sam's Club, GE ($1237?)
Valued Contributor

Re: Walmart October scores up!


masscredit wrote:

Dustink wrote:

Down 14 points from 750 to 736! Woot!!

 

Wait, am I going the wrong way? Should I be trying to get it to go up?


Guess we both thought the same thing! Smiley Happy 

 


Late night boredom set in and applied for 5 cards...2 approvals. My credit report did not like the HP's, I think I am up to 11. I need to fence my garden, and lock myself in.

 

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Valued Contributor

Re: Walmart October scores up!


Dustink wrote:

Late night boredom set in and applied for 5 cards...2 approvals. My credit report did not like the HP's, I think I am up to 11. I need to fence my garden, and lock myself in.


I know how that is! I was supposed to be done after my app spree in August. Then I put in 3 more apps a few weeks ago. Approved for JCP, Best Buy MCand shot down for Chase. The JCP will grow so i'm ok with that. I hear the Best Buy won't (owned by Cap 1, started at $500.) so I might decline that offer.  And Chase, it was worth a try.

 

I can see why people say it's addicting now. I kept getting approved so I kept wanting more. Time to lock myself in, tend to what I have, let them grow and then let the big boys start knocking on my door wanting me to take their offers later. 

Cap 1 - $23,000 / Lowe’s - $17,000 / Barclay Rewards - $16,400. / Capital 1 - $15,000 / Walmart - $15,000
Cap 1 - $12,000 / PenFed - $10,000 / Penney - $10,000 / Barclay Apple Rewards - $4000 / Merrick - $2500


EQ - 740 / TU - 748 / EX - 748
Frequent Contributor

Re: Walmart October scores up!

Sweet! Up 20 pts to 824.  got to go change my signature. Smiley Happy

bobebob || Nov: My FICO SW EQ(Upgraded Version) = 822 ||Sept: Walmart TU Fico=838Goal = FICO's>800 || In my wallet: CostcoAmEx(20k), DCU Visa Platinum (10k), BoA Visa Signature (17.1k), Walmart Discover (7.5k), AmEx Corporate (5k). All PIF every month.
Valued Contributor

Re: Walmart October scores up!


masscredit wrote:

Dustink wrote:

Late night boredom set in and applied for 5 cards...2 approvals. My credit report did not like the HP's, I think I am up to 11. I need to fence my garden, and lock myself in.


I know how that is! I was supposed to be done after my app spree in August. Then I put in 3 more apps a few weeks ago. Approved for JCP, Best Buy MCand shot down for Chase. The JCP will grow so i'm ok with that. I hear the Best Buy won't (owned by Cap 1, started at $500.) so I might decline that offer.  And Chase, it was worth a try.

 

I can see why people say it's addicting now. I kept getting approved so I kept wanting more. Time to lock myself in, tend to what I have, let them grow and then let the big boys start knocking on my door wanting me to take their offers later. 


I contacted best buy a few months after I applied. That was after the Capital one acquisition. The cards were being serviced by the same people. I talked to somebody over the phone, and she raised my limit from 1200 to 3000.

 

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Highlighted
Valued Contributor

Re: Walmart October scores up!

Same as last month, 798. 


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (3), Chase (5), US Bank Cash+, Huntington Voice, UMB Visa, Nasa Plat Cash Visa, Barclay's Visa, Discover IT, Cap One QS, BOA (2), BMW Visa, 5/3 Real Life Rewards MC; FNBO Amex; Comenity Visa/MC (4), Ebates Visa Siggy, Nordstrom Visa, Walmart MC, Sam's Club MC; A few assorted store cards.

Current Scores (09/2017): EQ My Fico: 801; TU MyFico: 799; EX (My Fico): 797