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Regular Contributor
Posts: 116
Registered: ‎11-13-2011
0

Walmart store credit card: research

Can anyone with recent walmart store card approval post your fico scores as available, number of collections, number of charge offs, number of public records?

Really interested in applying but want to do some research beforehand.

Thanks!!!!
Valued Member
Posts: 31
Registered: ‎06-14-2012
0

Re: Walmart store credit card: research

[ Edited ]

I just applied today online and was improved instantly for the store card with a $700 limit. 

 

My EQ FICO is 666.  I'm not sure about my TU, the last time I got the score a few months ago it was 600, but it's hopefully a litle higher now.

 

I don't have any collections, public records or charge-offs but I have several student loans shredding my reports.  I'm in the rehab program but they don't take off the lates and fix up the tradelines until you complete the program, so I have a ton of lates.

Established Contributor
Posts: 869
Registered: ‎07-04-2012
0

Re: Walmart store credit card: research

Apped 15 days ago+-

AAoA 1 year 3-5 months

Oldest acc around 4 yrs

no baddies

no loans

pulled TU around 760

Got Wallmart Discover 1.1k CL

Income was 20k

Util 9-11%

 

Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Established Contributor
Posts: 697
Registered: ‎03-16-2012
0

Re: Walmart store credit card: research

My score was 607 or lower when i got approved last May...starting CL was $500 and it was auto increased to $900 in less than 3 months.... Next month is my 4th month and will see if i can get an increase again..... I had 5 collections, 4 chargeoffs at the time of approval.. Besides cap one, GE is the only one who would approve me


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Contributor
Posts: 124
Registered: ‎08-13-2012
0

Re: Walmart store credit card: research


kobe2012 wrote:

My score was 607 or lower when i got approved last May...starting CL was $500 and it was auto increased to $900 in less than 3 months.... Next month is my 4th month and will see if i can get an increase again..... I had 5 collections, 4 chargeoffs at the time of approval.. Besides cap one, GE is the only one who would approve me


Did you use you card at all?  Or did they give you an increase with no activity?

4/2012 **Paid off 60 month car loan in 60 months**
6/11/2012 500 Auto EQ (CarMax)
7/2012 **Paid off 60 month VW car loan in 32 months**
8/13/2012 584 TU myFICO
8/16/2012 577 EQ myFICO
8/18/2012 **New $500 CC from WalMart** (1st CC since 2008)
8/19/2012 **New $200 CC from Capital One** (2nd CC since 2008)
Highlighted
Contributor
Posts: 124
Registered: ‎08-13-2012
0

Re: Walmart store credit card: research

I applied for the WalMart card on 8/18 with a TU MyFICO 577 and $21k in CO.

 

I was instantly approved for $500 limit.  I also disputed some info on my Experian report yesterday and found out that WalMart is already reporting!

4/2012 **Paid off 60 month car loan in 60 months**
6/11/2012 500 Auto EQ (CarMax)
7/2012 **Paid off 60 month VW car loan in 32 months**
8/13/2012 584 TU myFICO
8/16/2012 577 EQ myFICO
8/18/2012 **New $500 CC from WalMart** (1st CC since 2008)
8/19/2012 **New $200 CC from Capital One** (2nd CC since 2008)
New Contributor
Posts: 66
Registered: ‎08-02-2012
0

Re: Walmart store credit card: research

[ Edited ]

Applied 8/8/12 - approved for $400.  Approved for Amazon store card same day, $600.

 

TU 662 as reported on Walmart acceptance letter.

 

BK in 2005, no baddies since then, but a relatively thin file until my app spree earlier this month.

 

 

Valued Member
Posts: 94
Registered: ‎07-21-2012
0

Re: Walmart store credit card: research

TU 666

EQ 658

 

 

both 1 2yr payed utility derog.

TU 3inq  >10 years open > 3 deferred Student loans till 2014 > 1 Sec 600 PIF  WF (1yr on time)

EQ 1 unpaid 1yr derog. 2 10year old positive cu loan reports... 3inq > 3 years open  > 3 deferred Student loans till 2014 > 1 Sec 600 PIF  WF (1yr on time)

 

 

It was only approved for $150 but that is because of my debt to income with the student loans.

 

CS 701, CK 682, Credit.com 719/ TU FICO 666 (DIS 8/12) EU FICO 658 (8/12)
After spree CS 738, CK 684, TU FICO 666 (Dis 8/5)

WF Secured 600Cl (7/11), Discover More 1.5k (8/12), Walmart 150CL(8/12), Cap1 Platinum w/Credit steps($300) (8/12)
Moderator
Posts: 13,892
Registered: ‎04-15-2011
0

Re: Walmart store credit card: research

Got one for wife today.  EX 704 Tu658   Had a couple paid baddies, Income 122,000.  Got approved for $500.  Got Cap 1 a couple of weeks ag with 1K limit.  First cards in YEARS.  Smiley Happy

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Super Contributor
Posts: 5,756
Registered: ‎12-11-2011
0

Re: Walmart store credit card: research

My TU when i activated the card (through the free TU08 ) was 655. I had 13 inqs on TU alone and was approved for $500. At the time my highest limit reported was 600, i dont know if it would have made a difference had my cap1 been reported at the time.
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