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Valued Contributor
Posts: 2,280
Registered: ‎07-23-2012
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Re: i mean OMG. Walmart tu monitoring.

Thanks thanks. I give most credit to people who have helped me here.

But I noticed something on my reports.
Neither is reporting my chase freedom and eq Is not reporting my Macy's credit limit.
I let a87 charge cut on the statement and have since paid off

Also kohls shows a balance of 153. And that was paid off as well. I won't be buying reports soon so will have to wait it out .

This is the hardest part of this whole journey.
Patience is a virtue when you have it.
Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$6,400
Citi DC $10,000
Citizens Mastercard$7,000
Moderator Emeritus
Posts: 10,932
Registered: ‎12-30-2011
0

Re: i mean OMG. Walmart tu monitoring.


drkaje wrote:

What's the TU score most lenders are using now?


On the whole, still FICO '04.

 

There are a few (NFCU perhaps) that use a '98 model; however, more and more of the national lenders appear to be moving to FICO '08 pulls.  Discover, Amex, Chase are principal candidates, though many of these probably pull the Credit-enhanced industry option too and I think the Wally FICO is the same as here: Classic.

 

End of the day, the only thing we can really count on is that the EQ score found here or from DCU, and the EX score from PSECU, will be used for a mortgage application, and everything else, well your mileage *will* vary unfortunately.

 

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 693, EQ 8 685, TU 705, EX 709 (02/27/15)
Goal Score: 700 on EQ 04 (01/01/16)


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