I hope someone can help anwser this question. I could not really find a place to post it. I am a newbie. I applied for a Walmart card. Deined. Based on TU report. I then requested my TU report without my score. I also joined that Scoresense which lets me se all 3 credit reports. My actual Fico scores have been improving which I ordered from Fico. I also had access to my reports. I received my TU report today I was shocked to find out it was just a few pages which showed 2 judgments a couple of old collections and a chargeoff old creditcard debt and a report from a loan company that showed I paid ontime and that was paid off years ago. It did not show any of my current accounts that I have or inquries nothing that the report on Scoresense showed on TU report supposely, my Tu report from Fico had everythiong listed.. What kind of Credit Bureau report from TU did I get from the denial request from Walmart cart. It was not what I thought I was getting. I thought you had to get a total full copy of your report. Did I get what they sent Walmart??? To dein me- Confused. Will someone anwser this for me. Do I need to go in and order a pay for a request to get ful report from TU???
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@ACL42st wrote:I hope someone can help anwser this question. I could not really find a place to post it. I am a newbie. I applied for a Walmart card. Deined. Based on TU report. I then requested my TU report without my score. I also joined that Scoresense which lets me se all 3 credit reports. My actual Fico scores have been improving which I ordered from Fico. I also had access to my reports. I received my TU report today I was shocked to find out it was just a few pages which showed 2 judgments a couple of old collections and a chargeoff old creditcard debt and a report from a loan company that showed I paid ontime and that was paid off years ago. It did not show any of my current accounts that I have or inquries nothing that the report on Scoresense showed on TU report supposely, my Tu report from Fico had everythiong listed.. What kind of Credit Bureau report from TU did I get from the denial request from Walmart cart. It was not what I thought I was getting. I thought you had to get a total full copy of your report. Did I get what they sent Walmart??? To dein me- Confused. Will someone anwser this for me. Do I need to go in and order a pay for a request to get ful report from TU???
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If you were denied credit then the CB that was pulled must supply you with a free CR in this case TU
Now what you got from Walmart if I understand what you're asking .....Walmart uses TU to pull scores but then applies it's on internal scoring to come up with a score for approvals ...Hope this makes sense
@myjourney wrote:
@ACL42st wrote:I hope someone can help anwser this question. I could not really find a place to post it. I am a newbie. I applied for a Walmart card. Deined. Based on TU report. I then requested my TU report without my score. I also joined that Scoresense which lets me se all 3 credit reports. My actual Fico scores have been improving which I ordered from Fico. I also had access to my reports. I received my TU report today I was shocked to find out it was just a few pages which showed 2 judgments a couple of old collections and a chargeoff old creditcard debt and a report from a loan company that showed I paid ontime and that was paid off years ago. It did not show any of my current accounts that I have or inquries nothing that the report on Scoresense showed on TU report supposely, my Tu report from Fico had everythiong listed.. What kind of Credit Bureau report from TU did I get from the denial request from Walmart cart. It was not what I thought I was getting. I thought you had to get a total full copy of your report. Did I get what they sent Walmart??? To dein me- Confused. Will someone anwser this for me. Do I need to go in and order a pay for a request to get ful report from TU???
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If you were denied credit then the CB that was pulled must supply you with a free CR in this case TU
Now what you got from Walmart if I understand what you're asking .....Walmart uses TU to pull scores but then applies it's on internal scoring to come up with a score for approvals ...Hope this makes sense
I actually received a CB report from TU it was a strange short report as stated above with only a few negative things nothing else. Please reread above I hope I am making sense,, This came from TU where I requested my report due to denial and I got this strange "thing" Suggestions/anwsers confused
@ACL42st wrote:
@myjourney wrote:
@ACL42st wrote:I hope someone can help anwser this question. I could not really find a place to post it. I am a newbie. I applied for a Walmart card. Deined. Based on TU report. I then requested my TU report without my score. I also joined that Scoresense which lets me se all 3 credit reports. My actual Fico scores have been improving which I ordered from Fico. I also had access to my reports. I received my TU report today I was shocked to find out it was just a few pages which showed 2 judgments a couple of old collections and a chargeoff old creditcard debt and a report from a loan company that showed I paid ontime and that was paid off years ago. It did not show any of my current accounts that I have or inquries nothing that the report on Scoresense showed on TU report supposely, my Tu report from Fico had everythiong listed.. What kind of Credit Bureau report from TU did I get from the denial request from Walmart cart. It was not what I thought I was getting. I thought you had to get a total full copy of your report. Did I get what they sent Walmart??? To dein me- Confused. Will someone anwser this for me. Do I need to go in and order a pay for a request to get ful report from TU???
Font family
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If you were denied credit then the CB that was pulled must supply you with a free CR in this case TU
Now what you got from Walmart if I understand what you're asking .....Walmart uses TU to pull scores but then applies it's on internal scoring to come up with a score for approvals ...Hope this makes sense
I actually received a CB report from TU it was a strange short report as stated above with only a few negative things nothing else. Please reread above I hope I am making sense,, This came from TU where I requested my report due to denial and I got this strange "thing" Suggestions/anwsers confused
Sorry for the misunderstanding
Interesting I've never seen a particle report.....hummmm
It should have been a full report with the history of each account
baddies
accounts in good standing
HP's
INQ's shared only with you
I would try calling and explain you didn't get a full report
@myjourney wrote:
@ACL42st wrote:
@myjourney wrote:
@ACL42st wrote:I hope someone can help anwser this question. I could not really find a place to post it. I am a newbie. I applied for a Walmart card. Deined. Based on TU report. I then requested my TU report without my score. I also joined that Scoresense which lets me se all 3 credit reports. My actual Fico scores have been improving which I ordered from Fico. I also had access to my reports. I received my TU report today I was shocked to find out it was just a few pages which showed 2 judgments a couple of old collections and a chargeoff old creditcard debt and a report from a loan company that showed I paid ontime and that was paid off years ago. It did not show any of my current accounts that I have or inquries nothing that the report on Scoresense showed on TU report supposely, my Tu report from Fico had everythiong listed.. What kind of Credit Bureau report from TU did I get from the denial request from Walmart cart. It was not what I thought I was getting. I thought you had to get a total full copy of your report. Did I get what they sent Walmart??? To dein me- Confused. Will someone anwser this for me. Do I need to go in and order a pay for a request to get ful report from TU???
Font family
Font size
If you were denied credit then the CB that was pulled must supply you with a free CR in this case TU
Now what you got from Walmart if I understand what you're asking .....Walmart uses TU to pull scores but then applies it's on internal scoring to come up with a score for approvals ...Hope this makes sense
I actually received a CB report from TU it was a strange short report as stated above with only a few negative things nothing else. Please reread above I hope I am making sense,, This came from TU where I requested my report due to denial and I got this strange "thing" Suggestions/anwsers confused
Sorry for the misunderstanding
Interesting I've never seen a particle report.....hummmm
It should have been a full report with the history of each account
baddies
accounts in good standing
HP's
INQ's shared only with you
I would try calling and explain you didn't get a full report
Ok I will call. I just wonder now what the heck Walmart actually got! My Fico TU score is 680! But I know they have their own point scoring systems. Thanks for your help
@ACL42st wrote:
@myjourney wrote:
@ACL42st wrote:
@myjourney wrote:
@ACL42st wrote:I hope someone can help anwser this question. I could not really find a place to post it. I am a newbie. I applied for a Walmart card. Deined. Based on TU report. I then requested my TU report without my score. I also joined that Scoresense which lets me se all 3 credit reports. My actual Fico scores have been improving which I ordered from Fico. I also had access to my reports. I received my TU report today I was shocked to find out it was just a few pages which showed 2 judgments a couple of old collections and a chargeoff old creditcard debt and a report from a loan company that showed I paid ontime and that was paid off years ago. It did not show any of my current accounts that I have or inquries nothing that the report on Scoresense showed on TU report supposely, my Tu report from Fico had everythiong listed.. What kind of Credit Bureau report from TU did I get from the denial request from Walmart cart. It was not what I thought I was getting. I thought you had to get a total full copy of your report. Did I get what they sent Walmart??? To dein me- Confused. Will someone anwser this for me. Do I need to go in and order a pay for a request to get ful report from TU???
Font family
Font size
If you were denied credit then the CB that was pulled must supply you with a free CR in this case TU
Now what you got from Walmart if I understand what you're asking .....Walmart uses TU to pull scores but then applies it's on internal scoring to come up with a score for approvals ...Hope this makes sense
I actually received a CB report from TU it was a strange short report as stated above with only a few negative things nothing else. Please reread above I hope I am making sense,, This came from TU where I requested my report due to denial and I got this strange "thing" Suggestions/anwsers confused
Sorry for the misunderstanding
Interesting I've never seen a particle report.....hummmm
It should have been a full report with the history of each account
baddies
accounts in good standing
HP's
INQ's shared only with you
I would try calling and explain you didn't get a full report
Ok I will call. I just wonder now what the heck Walmart actually got! My Fico TU score is 680! But I know they have their own point scoring systems. Thanks for your help
Good luck