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Established Member
Posts: 24
Registered: ‎04-17-2011
0

Walmart card worth the free FICO score?

I don't need another credit card but the free FICO score makes getting this card awful tempting. Do you think it is worth another inquiry and added new account for the free monthly score?

Regular Contributor
Posts: 166
Registered: ‎04-16-2011
0

Re: Walmart card worth the free FICO score?

Not until you learn what version of the score it is.


Starting Score: EQ: 703 (4/2011);
Current Score: EQ: 738 (04/2013)

Goal Score: ALL 800

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Valued Contributor
Posts: 1,150
Registered: ‎01-22-2008
0

Re: Walmart card worth the free FICO score?


jpnelly wrote:

I don't need another credit card but the free FICO score makes getting this card awful tempting. Do you think it is worth another inquiry and added new account for the free monthly score?


I think only you can answer that question.  True, we don't know what version it is yet, but it is a FICO score.  Look at how many inquiries you have and what opening a new account will due to your AAoA.  If you can spare an inquiry and won't lose any time from your AAoA, then go for it.  Just do what's best for your overall situation. 


CH 7 Filed 7/27/15 Discharged 11/16/15
Starting Score: EQ 620 TU 568 EX 593
Current Score (05/11/16): EQ 679 TU 650 EX 668 (FICO's 08)
Cap1 QS ($5350) (Combined QS and QS1) Discover It ($1800) MilStar ($8,600) Fingerhut ($800)
Off to the garden 05/01/16
Established Member
Posts: 24
Registered: ‎04-17-2011
0

Re: Walmart card worth the free FICO score?

[ Edited ]

I just hate having to fork out $20 every time I pull my TU score from myFICO. Any ideas how much opening this card will affect scores? I currently have 2 INQ on EX, 1 on EQ and 1 on TU. All INQ are over a year old except 1 recent on EX. AAoA is about 6.6 years..

Valued Contributor
Posts: 1,150
Registered: ‎01-22-2008
0

Re: Walmart card worth the free FICO score?

Just and FYI, the TU score on the walmart site is not the same score you get here.  It's speculation that it's a newer version of the TU FICO, possibly the TU04 we are all hearing about.  But having said that, it is a FICO score and it is FREE vs $20.  I'm with you. 

 

I think it will pull EQ.  If your current inquiries are a year old already, that will not impact your score, as those year old ones are no longer considered for scoring purposes.  With an AAoA of 6.6 years, I can't see one new account dropping you below 6 years.  If you take any score hit, at all, it will be minimal. 


CH 7 Filed 7/27/15 Discharged 11/16/15
Starting Score: EQ 620 TU 568 EX 593
Current Score (05/11/16): EQ 679 TU 650 EX 668 (FICO's 08)
Cap1 QS ($5350) (Combined QS and QS1) Discover It ($1800) MilStar ($8,600) Fingerhut ($800)
Off to the garden 05/01/16
Community Leader
Senior Contributor
Posts: 4,336
Registered: ‎09-06-2008
0

Re: Walmart card worth the free FICO score?

free is always worth it for me!  it really helps me stop spending money checking my credit scores.

Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Frequent Contributor
Posts: 455
Registered: ‎06-08-2008
0

Re: Walmart card worth the free FICO score?

I thought GE pulls TU not EQ.

Senior Contributor
Posts: 3,889
Registered: ‎05-24-2011
0

Re: Walmart card worth the free FICO score?

There another post here about walmart denying someone, and the score they gave was a NextGen score?  Does that solve the Walmart/TU mystery? 

STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
Regular Contributor
Posts: 147
Registered: ‎06-20-2011
0

Re: Walmart card worth the free FICO score?

I have a walmart card and the free score is 20 points less than myfico one. So it's discouraging to me. However, I do like my walmart card!!!

Starting Score: TU 640, EQ 636, EX 645
Current Score: TU 665, EQ 706, EX ?
Goal Score: All above 700


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Valued Contributor
Posts: 1,486
Registered: ‎08-14-2011
0

Re: Walmart card worth the free FICO score?

So it's been verified that the Walmart score is a nextgen score and not really worthwhile?

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