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Wow!

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7PM789
Frequent Contributor
‎10-17-2012 10:03 PM
‎10-17-2012 10:03 PM

Wow!

I just got my first free Trans Union FICO from walmart and I couldn't believe what I seen... 756 I'm shocked!

The two reasons I was given for it not being higher were

1) You have a short credit history.

2) You've recently been looking for credit.

I think a 756 is awesome considering my credit journey began less than two years ago with nothing more than a secured card from my local credit union and the extremely valuable knowledge I've gained from this amazing forum board.

Thank you everyone, you've helped me greatly through your experiences and input.
Amex B.C.E. - $2.5k - Amex Everyday - $5k - N.C.F.C.U.M.C. - $5k - Amex Gold - NPSL/35k P.O.T. - Discover It - $12k - Sam's Club M.C. - $10k -
Walmart M.C. - $7.5k - Citi T.Y.P. - $10k- Chase Freedom - $5k - Chase Marriott - $7.4k - U.S. Bank Cash + - $6k -
W.M. TU-781(Jan/15) Citi EQ-782(Dec/14) EX-782(Oct/14)
Audi, Vide, Tace. . .
Message 1 of 10
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9 REPLIES 9
alboto
Regular Contributor
‎10-17-2012 10:15 PM
‎10-17-2012 10:15 PM

Re: Wow!

Nice score, Congrats!!!

Message 2 of 10
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creditnocash
Valued Contributor
‎10-17-2012 10:17 PM
‎10-17-2012 10:17 PM

Re: Wow!

congrats +2

i started with a 738 and even with all inq and new accts only dropped to 724. which is still pretty darn good for an aaoa of 7/8 months. 

 



Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23

Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE
Over 12 Months:0


2023 Goals:
Buy A Home
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000

Message 3 of 10
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migliogiorni
Established Contributor
‎10-17-2012 11:23 PM
‎10-17-2012 11:23 PM

Re: Wow!

sweet score gotta love the free

TU.

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Message 4 of 10
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CruzImperial
Established Contributor
‎10-17-2012 11:54 PM
‎10-17-2012 11:54 PM

Re: Wow!

Congrats!! We are right there haha
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 |
Message 5 of 10
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7PM789
Frequent Contributor
‎10-18-2012 12:27 AM
‎10-18-2012 12:27 AM

Re: Wow!

I know, I have an aaoa of 7.2 months right now and two new cards that haven't even hit 1 month yet. Trans Union has always been my lowest score for some reason. When I bought my truck my Experian was 716, Equifax was 727 and my Trans Union was 698, my Trans Union only had 2 inquiries on it at that time.

Amex B.C.E. - $2.5k - Amex Everyday - $5k - N.C.F.C.U.M.C. - $5k - Amex Gold - NPSL/35k P.O.T. - Discover It - $12k - Sam's Club M.C. - $10k -
Walmart M.C. - $7.5k - Citi T.Y.P. - $10k- Chase Freedom - $5k - Chase Marriott - $7.4k - U.S. Bank Cash + - $6k -
W.M. TU-781(Jan/15) Citi EQ-782(Dec/14) EX-782(Oct/14)
Audi, Vide, Tace. . .
Message 6 of 10
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Cadillac-XTS
Established Contributor
‎10-18-2012 01:48 AM
‎10-18-2012 01:48 AM

Re: Wow!

Congrats

Message 7 of 10
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JonStur
Established Contributor
‎10-18-2012 03:24 AM
‎10-18-2012 03:24 AM

Re: Wow!

Keep up the good work..

Starting Score: TU 595 EX 600 EQ 585
Current Score: TU 820 EX 825 EQ 812
Goal Score: 800 Club (Mission Accomplished)
Amex Platinum, Amex BCP $17.5K, 5/3 Sig $10K, Capital One Quicksilver 15K, Walmart 10K, US Bank Cash+ 15K, Sam's Club 10K, Chase Freedom $6K, Discover More $15K, Chase United Club MileagePlus $33K, Costco $6K, CapOne Quicksilver One $7K, Cap One Quicksilver $5K, Amazon $3K, Barclays $12.5K, Home Depot $7.5K, AppleCard $6K
Message 8 of 10
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bettercreditguy1
Established Contributor
‎10-18-2012 04:38 AM
‎10-18-2012 04:38 AM

Re: Wow!

Pay in full and on time and you can reach 800 without any car or house loan. My Son, has an 817 with no cc's and no house loan. He has obtained that status with three pif car loans.

Updated scores 3/7/21 TU 849, EQ 829, Ex 818 (all Fico scores) Remember the Three P's: Pay early in Full, Pay on Time, Patience
Message 9 of 10
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Anonymous
Not applicable
‎10-18-2012 08:12 AM
‎10-18-2012 08:12 AM

Re: Wow!

Congrats!!!Not a bad score...one of my friends tell me about this.

And i see really good...Its dead easy and pretty difficult to go wrong.

Message 10 of 10
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