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What bureau does Walmart use for app in FL?

Regular Contributor

What bureau does Walmart use for app in FL?

I know I need a store card on my credit since I only have installments and 3 CC. I was not sure if my scores were high enough to apply for Walmart, JCP or Dillards. I got approved for Capital One 300CL offer last wk and my scores have improved alot because I was at 515EQ, 525TU in March 2011.  My current scores are 573-EQ (fico).. 624 TU(fico) and 612 EX-vantage.

Current 3B scores Dec 2016: EQ: 794 TU: 785 EX: 755
Mortgage scores Dec 2016: EQ: 744 TU: 748 EX: 743
2017 Goal: reduce debt and purchase first home
Total credit lines: 112K
Message 1 of 10
9 REPLIES
New Member

Re: What bureau does Walmart use for app in FL?

TU

Message 2 of 10
Regular Contributor

Re: What bureau does Walmart use for app in FL?


Icecredit wrote:

TU


awesome thanks.. Do you think my 624 score qualifies?

Current 3B scores Dec 2016: EQ: 794 TU: 785 EX: 755
Mortgage scores Dec 2016: EQ: 744 TU: 748 EX: 743
2017 Goal: reduce debt and purchase first home
Total credit lines: 112K
Message 3 of 10
Frequent Contributor

Re: What bureau does Walmart use for app in FL?

go to credit pull database to double check. It was EX for me

Message 4 of 10
Frequent Contributor

Re: What bureau does Walmart use for app in FL?


cd2004 wrote:

Icecredit wrote:

TU


awesome thanks.. Do you think my 624 score qualifies?


Here's a good site for checking credit score approvals or rejections by creditors:

 

http://www.whogavemecredit.com

 

Depending on specifics in your CR, I'd say you have even odds.

bobebob || Nov: My FICO SW EQ(Upgraded Version) = 822 ||Sept: Walmart TU Fico=838Goal = FICO's>800 || In my wallet: CostcoAmEx(20k), DCU Visa Platinum (10k), BoA Visa Signature (17.1k), Walmart Discover (7.5k), AmEx Corporate (5k). All PIF every month.
Message 5 of 10
Valued Contributor

Re: What bureau does Walmart use for app in FL?

tu. its pretty easy to get a walmart card. you don't need the discover version to get the free tu fico score.

Message 6 of 10
Established Contributor

Re: What bureau does Walmart use for app in FL?

I got a Walmart retail card when my FICO was sub-600.  It started out with a really low balance, but they let you ask for CLI every four months and now it's up to $875.  It's a great way to rebuild your credit.  It's great because they give you a free TU score every month plus you can take out cash advances at the same APR as regular transactions.  That helped me a lot when I moved for a new job.


Starting Score: TU: 566
Current Score: TU: 741 (Discover FICO); EQ: 755 (MyFico) EX: 774 (FAKO)
Goal Score: 800

Take the FICO Fitness Challenge
Message 7 of 10
Regular Contributor

Re: What bureau does Walmart use for app in FL?

thanks so much for all the replies...I think i am gonna wait about 2 more months before I apply because i got a capital one card about a week ago and also this week I got about 7 inq because i was trying to trade in my vehicle. I dont want them to think I am trying to get too much credit too soon and my scores just started to increase.

Current 3B scores Dec 2016: EQ: 794 TU: 785 EX: 755
Mortgage scores Dec 2016: EQ: 744 TU: 748 EX: 743
2017 Goal: reduce debt and purchase first home
Total credit lines: 112K
Message 8 of 10
Senior Contributor

Re: What bureau does Walmart use for app in FL?

Walmart used TU and I'm around 640 right now and was approved for 400.

 

DH applied online (grudgingly) so he could get the TU and it said he had to wait 7-10 days.  Haven't heard yet.  he's about 640/650 right now (i think).

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
Message 9 of 10
Regular Contributor

Re: What bureau does Walmart use for app in FL?


Booner72 wrote:

Walmart used TU and I'm around 640 right now and was approved for 400.

 

DH applied online (grudgingly) so he could get the TU and it said he had to wait 7-10 days.  Haven't heard yet.  he's about 640/650 right now (i think).



thanks, my TU is only 624 so I may just wait until my credit cards update the balances I just paid down. I think that should atleast boost me up 15pts. I went from 64% to 39% util

Current 3B scores Dec 2016: EQ: 794 TU: 785 EX: 755
Mortgage scores Dec 2016: EQ: 744 TU: 748 EX: 743
2017 Goal: reduce debt and purchase first home
Total credit lines: 112K
Message 10 of 10