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Moderator Emeritus
MarineVietVet
Posts: 14,084
Registered: ‎07-14-2009

Re: Walmart card worth the free FICO score?


ptrutkowski wrote:

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



Nothing official has been announced about the particulars of this TU score.

 

 

 

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

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Established Contributor
kjm79
Posts: 1,008
Registered: ‎01-22-2008

Re: Walmart card worth the free FICO score?


MarineVietVet wrote:

ptrutkowski wrote:

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



Nothing official has been announced about the particulars of this TU score.

 

 

 


 

I think the post earlier this week was in regards to an approval/denial of a walmart credit card and the score provided based on that approval/denial.  The score walmart uses to approve their cards does not necessarily mean it's the same score that is given out for free on the website.

 


Starting Score: TU? EQ 585 EX? (12/06) (CH 7 bk 11/04)
Current Score: (5/12) TU 699 (myFICO) TU 709 (WalMart) EQ 690 EX 686 (CC denial 7/11)
Goal Score: 720 Across the Board by Mid 2012
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Contributor
wajj
Posts: 79
Registered: ‎10-09-2008

Re: Walmart card worth the free FICO score?

I applied for the Wamart card, received it, and then got a letter from them explaining that they could not give me the "best interest rate".  The score on that letter was a NextGen score (I think, it was based on a 150 to 950 scale).

 

Once I received the card, I set up my account online and received my TU FICO score (and it is called a FICO score, complete with trademark, based on an 850 scale according to the bar graph).  It differs slightly from the score I purchased here a month ago but there is no reason to think there is any significant difference.  I really hope it is a TU04 score since the TU98 score you can purchase here is not used by financial institution I have a relationship with.

 

So, the score in the letter is NextGen.  The free score on the website is FICO.

Senior Contributor
john398
Posts: 3,513
Registered: ‎01-19-2009

Re: Walmart card worth the free FICO score?


dp321 wrote:

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


all indications seem to be its a fico 04 score

 

Oh mine updated today

Valued Contributor
ptr2593
Posts: 1,486
Registered: ‎08-14-2011

Re: Walmart card worth the free FICO score?


wajj wrote:

I applied for the Wamart card, received it, and then got a letter from them explaining that they could not give me the "best interest rate".  The score on that letter was a NextGen score (I think, it was based on a 150 to 950 scale).

 

Once I received the card, I set up my account online and received my TU FICO score (and it is called a FICO score, complete with trademark, based on an 850 scale according to the bar graph).  It differs slightly from the score I purchased here a month ago but there is no reason to think there is any significant difference.  I really hope it is a TU04 score since the TU98 score you can purchase here is not used by financial institution I have a relationship with.

 

So, the score in the letter is NextGen.  The free score on the website is FICO.


Good to know.  I think it's odd that they use two different scores.  I wonder if they use your NextGen score when you request a CLI too.

In My Wallet:
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In My Sockdrawer:
AMEX Clear, Citi Platinum Select, US Bank Platinum, J.Crew
Valued Member
CrazyScore
Posts: 48
Registered: ‎06-29-2011

Re: Walmart card worth the free FICO score?

This FREE score from Walmart is very apealing, my hands are itching to pull the trigger and apply :smileyvery-happy:


Starting Score: EQ 606, TU 631
Current Score: EQ 658, TU 674, EX 713 (AMEX pull)
Goal Score: 700


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Senior Contributor
Booner72
Posts: 3,889
Registered: ‎05-24-2011

Re: Walmart card worth the free FICO score?

Has anyone tried calling walmart's customer service credit card people to ask what score model they use? 

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
Valued Contributor
ptr2593
Posts: 1,486
Registered: ‎08-14-2011

Re: Walmart card worth the free FICO score?


CrazyScore wrote:

This FREE score from Walmart is very apealing, my hands are itching to pull the trigger and apply :smileyvery-happy:



I know, ME TOO! 

In My Wallet:
AMEX BCE, Citi Forward, Chase Freedom

In My Sockdrawer:
AMEX Clear, Citi Platinum Select, US Bank Platinum, J.Crew
New Contributor
mark925
Posts: 50
Registered: ‎12-13-2008

Re: Walmart card worth the free FICO score?


Booner72 wrote:

Has anyone tried calling walmart's customer service credit card people to ask what score model they use? 


That would be the absolute last thing I'd ever try since they wouldn't even know a hard pull from a soft pull.

Senior Contributor
john398
Posts: 3,513
Registered: ‎01-19-2009

Re: Walmart card worth the free FICO score?

I think Barry even tried to contact walmart and got no answer


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