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Regular Contributor
7PM789
Posts: 176
Registered: ‎08-20-2012

Wow!

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‎10-17-2012 10:03 PM

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 - C.U.M.C. - $5k - Amex Gold - NPSL - Discover More - $3k - Sam's Club Discover - $7k - Walmart Discover - $2.4k -
W.M.TU-779(May/13) EQ-726(July/12) EX-753(Jan/13)
Aude, Vide, Tace. . .
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Regular Contributor
alboto
Posts: 211
Registered: ‎08-23-2012

Re: Wow!

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‎10-17-2012 10:15 PM

Nice score, Congrats!!!

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Valued Contributor
creditnocash
Posts: 1,922
Registered: ‎07-23-2012

Re: Wow!

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‎10-17-2012 10:17 PM

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: EQ FICO 690, TU FICO 692, Walmart TU 737 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: $21,600

Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012


2013 Goals:
Freedom Signature
Costco:True Earnings

Amex Zync(Unicorn)
Chase Freedom$1500
Citizens Mastercard$5000
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Established Contributor
migliogiorni
Posts: 589
Registered: ‎06-27-2012

Re: Wow!

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‎10-17-2012 11:23 PM

sweet score gotta love the free

TU.

Dallas Cowboys Fan :smileyvery-happy:
CSP: 5k
Wally: 5k
BofA: 4.9k
Chase: 4k
Citi: 3.5k
JCP: 2.4k
DFS: 2k
Discover: 1.25 k
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Established Contributor
CruzImperial
Posts: 860
Registered: ‎07-04-2012

Re: Wow!

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‎10-17-2012 11:54 PM

Congrats!! We are right there haha
Fico Scores: . Walmart TU 724 . App free since Aug 2012 .

Cap One Journey 500 | Discover IT 1k | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCP 6k | Citi Forward 3k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 6k | Discover Walmart 4.9k | Barclays Apple 2.5k | BoA CR 800
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Regular Contributor
7PM789
Posts: 176
Registered: ‎08-20-2012

Re: Wow!

[ Edited ]
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‎10-18-2012 12:27 AM - edited ‎10-18-2012 12:30 AM

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 - C.U.M.C. - $5k - Amex Gold - NPSL - Discover More - $3k - Sam's Club Discover - $7k - Walmart Discover - $2.4k -
W.M.TU-779(May/13) EQ-726(July/12) EX-753(Jan/13)
Aude, Vide, Tace. . .
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Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012

Re: Wow!

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‎10-18-2012 01:48 AM

Congrats

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Frequent Contributor
JonStur
Posts: 355
Registered: ‎12-25-2010

Re: Wow!

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‎10-18-2012 03:24 AM

Keep up the good work..

Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 796 EX 780 EQ 750
Goal Score: 800 Club

Take the FICO Fitness Challenge
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Established Contributor
bettercreditguy1
Posts: 653
Registered: ‎02-11-2012

Re: Wow!

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‎10-18-2012 04:38 AM

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 TU 733 EXP 735 (FAKO)
Updated scores 05/01/2013 EQ 761 TU 780 EXP 788 (Exp. equivalency)


Remember the Three P's: Pay early in Full, Pay on Time, Patience
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DavidSalvador8100
New Member
DavidSalvador8100
Posts: 4
Registered: ‎10-17-2012

Re: Wow!

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‎10-18-2012 08:12 AM

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.

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