Walmart TU score is up!

[bobebob]

Bummer, I didn't get an update either. 

But I just got my Walmart Discover and got my initial score on the 7th.  Maybe I didn't get in the list for this month's pull. 

And someone wrote above that they do the actual pull on the 5th and just display it on the 10th biz day after.  So in reality, perhaps this was my "monthly" score and I just got it early because I had recently opened my account.

I was hoping to see the effect of paying down the balance on my AmEx just before the statement posts had on TU.  I'll just have to be patient and wait for next month.  Patience is a virtue, right?

I think I got a good idea what it did to my EQ because I just got my first DCU Fico Score.  MyFico monitoring had me at 789 and the DCU pull was 801. 

Does anyone know if the MyFico EQ score uses the same algorithm as the DCU Fico freebie?

Thanks,

[MarineVietVet]

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@bobebob wrote:

Bummer, I didn't get an update either. 

But I just got my Walmart Discover and got my initial score on the 7th.  Maybe I didn't get in the list for this month's pull. 

And someone wrote above that they do the actual pull on the 5th and just display it on the 10th biz day after.  So in reality, perhaps this was my "monthly" score and I just got it early because I had recently opened my account.

I was hoping to see the effect of paying down the balance on my AmEx just before the statement posts had on TU.  I'll just have to be patient and wait for next month.  Patience is a virtue, right?

I think I got a good idea what it did to my EQ because I just got my first DCU Fico Score.  MyFico monitoring had me at 789 and the DCU pull was 801. 

Does anyone know if the MyFico EQ score uses the same algorithm as the DCU Fico freebie?

Thanks,

---

The version of the EQ score here is Beacon 5.0. If DCU gives you that same version of EQ then everything should be exactly alike.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[bobebob]

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@MarineVietVet wrote:

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@bobebob wrote:

Bummer, I didn't get an update either. 

But I just got my Walmart Discover and got my initial score on the 7th.  Maybe I didn't get in the list for this month's pull. 

And someone wrote above that they do the actual pull on the 5th and just display it on the 10th biz day after.  So in reality, perhaps this was my "monthly" score and I just got it early because I had recently opened my account.

I was hoping to see the effect of paying down the balance on my AmEx just before the statement posts had on TU.  I'll just have to be patient and wait for next month.  Patience is a virtue, right?

I think I got a good idea what it did to my EQ because I just got my first DCU Fico Score.  MyFico monitoring had me at 789 and the DCU pull was 801. 

Does anyone know if the MyFico EQ score uses the same algorithm as the DCU Fico freebie?

Thanks,

---

The version of the EQ score here is Beacon 5.0. If DCU gives you that same version of EQ then everything should be exactly alike.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

---

I did a little poking around and see that it is indeed the Beacon  5.0 (from one of your previous posts, MarineVietVet)  

That's good news (free Fico!  Bully for me ).  

On the other hand, it doesn't bode well for MyFico's chances of getting me to renew my ScoreWatch subscription.  Particularly when it has yet to reflect the afore-mentioned paying down of balance prior to statement date (but I'll start a new thread before I get my quasi-rant on ).

Thanks, MarineVietVet (for you help and your service - I was a squid from 1991-97)

[score_building]

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@bobebob wrote:

Bummer, I didn't get an update either. 

But I just got my Walmart Discover and got my initial score on the 7th.  Maybe I didn't get in the list for this month's pull. 

And someone wrote above that they do the actual pull on the 5th and just display it on the 10th biz day after.  So in reality, perhaps this was my "monthly" score and I just got it early because I had recently opened my account.

I was hoping to see the effect of paying down the balance on my AmEx just before the statement posts had on TU.  I'll just have to be patient and wait for next month.  Patience is a virtue, right?

I think I got a good idea what it did to my EQ because I just got my first DCU Fico Score.  MyFico monitoring had me at 789 and the DCU pull was 801. 

Does anyone know if the MyFico EQ score uses the same algorithm as the DCU Fico freebie?

Thanks,

---

My DCU EQ score has always matched the EQ version from myfico.

[llecs]

No change to DW's FICO.

[BaddebtKing]

775 

[MarineVietVet]

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@bobebob wrote:

I did a little poking around and see that it is indeed the Beacon  5.0 (from one of your previous posts, MarineVietVet)  

That's good news (free Fico!  Bully for me ).  

On the other hand, it doesn't bode well for MyFico's chances of getting me to renew my ScoreWatch subscription.  Particularly when it has yet to reflect the afore-mentioned paying down of balance prior to statement date (but I'll start a new thread before I get my quasi-rant on ).

Thanks, MarineVietVet (for you help and your service - I was a squid from 1991-97)

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Well no one is perfect. 

Just giving you a hard time. Thanks for your service in keeping me and mine safe. 

[tinuviel]

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@SteveNSC wrote:

Wow!  I had a TL with some 3 year old lates drop off in the last month but no other changes.  Up 100 points! 

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WOW!!!! Congrats!!!!!!!!

[tinuviel]

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@Anonymous wrote:

Hi im my frst walmart tu was 678TU 8/12/2011 and today got updated im at 705TU up 27 points "insane". im in the 700 club

im 20 years old one year ago i had a 0 score  im so

1st card kays 300 CL

2nd macys     400 cl

3rd walmart   250cl now 700 cl

4th capital one 500 cl

5th amazon 700 cl

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Nice going!!!