app itch walmart

[oracles]

I really think i want the walmart card for the TU08 version but then again I stop my from applying because in actuality, no one uses it.

please remind why i should get this score lol?

[Anonymous]

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@oracles wrote:

I really think i want the walmart card for the TU08 version but then again I stop my from applying because in actuality, no one uses it.

please remind why i should get this score lol?

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For me.... I like to see how my TU is trending b/c the Scorewatch I've signed up for here gives me EQ. I'm not sure if this is valid or not though b/c I don't know if the TU's would trend together even though they may not be the same score.

[jamesdwi]

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@oracles wrote:

I really think i want the walmart card for the TU08 version but then again I stop my from applying because in actuality, no one uses it.

please remind why i should get this score lol?

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Free FICO score, when combined with free daily credit reports from creditkarma gives you a pretty good picture of your TU report for near zero cost. 

Then when you add in the benefits of the walmart card itself its pretty much a no brainer. 

CLI either auto or user initiated every 4-5 statements always soft pulls

upto $60 cash per transaction in no fee  at the register

semi-frequent no interest deals. 

good at Sam's Club that doesn't take VISA or AMEX cards (okay this one may only be important to me) 

and no AF for all these services. 

in 6 months went from a $900 limit to $1000... possible jump to $1400+ if they follow the GE CLI pattern in another 3 months. 

[oracles]

i understand what you mean james but if no one uses tu08 and mostly tu04, its possible that tu04 can trend downward while tu08 can trendupward since its different equations.

I just dont know if its worth it but i am still intrigue by it lol

[kjm79]

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@oracles wrote:

i understand what you mean james but if no one uses tu08 and mostly tu04, its possible that tu04 can trend downward while tu08 can trendupward since its different equations.

I just dont know if its worth it but i am still intrigue by it lol

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Absolutely right.  You can't really compare the different scores but a FREE FICO is better than any FAKO out there any day.  As already stated, it's a no AF card, good financing deals at times, it's really costing you nothing but an inq.  Gas is cheaper at Sam's club too, if you can stand the long line. The TU08 Fico will at least tell you if what you're doing is working or not.  FAKO's can go up or down for any reason at any time just because they can.