Long story short, I had a few baddies come off my TU report recently and expected my FICO score to inch up a little. While it did on MyFico, (724 to 727), the WalMart score fell from 689 to 679.
The only thing I can think of is the two tradelines I had fall off were from 2000 and 2004 respectively so I lost the age. That said, will the rest of my baddies falling off late this year have the same impact on my score? I find it crazy that a baddie falling off hurts my score one bit, yet it looks like that's what happens.
Which score should I pay attention to? I've heard rumors that WalMart is TU 04 but haven't seen any confirmation on that.
We don't know....it's not TU98 for sure. I vote for CC-enhanced myself (like the PFICO of yore).