Frequent Contributor
Posts: 255
Registered: ‎08-20-2012


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 - N.C.F.C.U.M.C. - $5k - Amex Gold - NPSL - Discover More - $7.5k - Sam's Club Discover - $10k -
Walmart Discover - $7.5k - Citi T.Y.P. - $5.5k - Chase Freedom - $2.2k -
W.M.TU-775(July/14/) EQ-726(July/12) EX-753(Jan/13)
Audi, Vide, Tace. . .

Regular Contributor
Posts: 211
Registered: ‎08-23-2012

Re: Wow!

Nice score, Congrats!!!

Valued Contributor
Posts: 2,185
Registered: ‎07-23-2012

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: Discover Fico 689 7/14 Walmart Fico 682 7/14

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months

2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Established Contributor
Posts: 657
Registered: ‎06-27-2012

Re: Wow!

sweet score gotta love the free


BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Established Contributor
Posts: 863
Registered: ‎07-04-2012

Re: Wow!

Congrats!! We are right there haha
Fico Scores: . Walmart TU 748 . App free since Aug 2013 .

Cap One Journey 500 | Discover IT 1k | 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 6k | Barclays Apple 2.5k | BoA CR 800 | CSP 7.2k
Frequent Contributor
Posts: 255
Registered: ‎08-20-2012

Re: Wow!

[ Edited ]

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 - N.C.F.C.U.M.C. - $5k - Amex Gold - NPSL - Discover More - $7.5k - Sam's Club Discover - $10k -
Walmart Discover - $7.5k - Citi T.Y.P. - $5.5k - Chase Freedom - $2.2k -
W.M.TU-775(July/14/) EQ-726(July/12) EX-753(Jan/13)
Audi, Vide, Tace. . .

Established Contributor
Posts: 1,837
Registered: ‎08-20-2012

Re: Wow!


Established Contributor
Posts: 902
Registered: ‎12-25-2010

Re: Wow!

Keep up the good work..

Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club

BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K
Established Contributor
Posts: 743
Registered: ‎02-11-2012

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.

Starting scores 01/02/2012 EQ 707(Fico) TU 733(Fico) EXP 735 (FAKO)
Updated scores 06/01/2014 EQ 797(Fico) TU 768(Fico) EXP 769 (Fico), EQ 849 (Next Gen 5/27/14 Penfed)

Remember the Three P's: Pay early in Full, Pay on Time, Patience
New Member
Posts: 4
Registered: ‎10-17-2012

Re: Wow!

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

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

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