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Walmart CC + CreditKarma = poor man's TU monitoring service?

Frequent Contributor

Walmart CC + CreditKarma = poor man's TU monitoring service?

I use CreditKarma to monitor my TU credit report (LOVE the credit monitoring notifications).

I learned from the forums here that WalMart (both the Discover credit card and the store card) offers a free monthly TU08 FICO score.

 

Now I'm tempted to apply for the WalMart card and use it in conjunction with CreditKarma as a free way to monitor my TransUnion credit report + score.

What do you think of this idea? Is anyone doing this?



09/30/2017 - EX 811 (Credit Scorecard EX FICO® Score 8, range 300-850)
11/20/2017 - TU 842 (Discover TU FICO® Score 8, range 300-850)
10/24/2017 - EQ 845 (Citi EQ FICO® Bankcard Score 8, range 250-900)
GOAL - 800! - App free since 11/22/2017
Message 1 of 30
29 REPLIES
Moderator Emeritus

Re: Walmart CC + CreditKarma = poor man's TU monitoring service?

Guilty!!!  Smiley Happy

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 30
Senior Contributor

Re: Walmart CC + CreditKarma = poor man's TU monitoring service?

I do this... It's a great idea since the TU 08 Fico is a true fico while CreditKarma is not a fico score.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 3 of 30
Frequent Contributor

Re: Walmart CC + CreditKarma = poor man's TU monitoring service?

Cool!

 

I read the forums a lot and haven't seen anyone make the connection between WalMart and CreditKarma for the purpose of TU monitoring.

Come to think of it, this free solution may be more usefule than FICO Quarterly Monitoring sold here:

  1. monthly score vs quarterly score
  2. TU08 score vs TU 04 score
  3. FREE! Heart


09/30/2017 - EX 811 (Credit Scorecard EX FICO® Score 8, range 300-850)
11/20/2017 - TU 842 (Discover TU FICO® Score 8, range 300-850)
10/24/2017 - EQ 845 (Citi EQ FICO® Bankcard Score 8, range 250-900)
GOAL - 800! - App free since 11/22/2017
Message 4 of 30
Moderator Emeritus

Re: Walmart CC + CreditKarma = poor man's TU monitoring service?

For the mortgage appers though, they might want that TU04.  Tends to be what's pulled for mortgages.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 5 of 30
Established Contributor

Re: Walmart CC + CreditKarma = poor man's TU monitoring service?


brother7 wrote:

Cool!

 

I read the forums a lot and haven't seen anyone make the connection between WalMart and CreditKarma for the purpose of TU monitoring.

Come to think of it, this free solution may be more usefule than FICO Quarterly Monitoring sold here:

  1. monthly score vs quarterly score
  2. TU08 score vs TU 04 score
  3. FREE! Heart

Correction TU98 (MyFico) vs TU08 (walmart) No one sells or gives access to TU04 besides Barclay app


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 6 of 30
Moderator Emeritus

Re: Walmart CC + CreditKarma = poor man's TU monitoring service?

Oops,, that's right,, it is a 98.   My bad.  Smiley Sad

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 7 of 30
Established Contributor

Re: Walmart CC + CreditKarma = poor man's TU monitoring service?


Shogun wrote:

Oops,, that's right,, it is a 98.   My bad.  Smiley Sad


It's all good they should really sell 04 imo getting your real credit scores that most lenders use are too confusing =\ if they build a system to judge us on it, they should give us access to our real scores for any model.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 8 of 30
Frequent Contributor

Re: Walmart CC + CreditKarma = poor man's TU monitoring service?

Oops... I stand corrected on the TU04 vs TU08 comparison.

It is actually TU98 (MyFICO) vs TU08 (WalMart).



09/30/2017 - EX 811 (Credit Scorecard EX FICO® Score 8, range 300-850)
11/20/2017 - TU 842 (Discover TU FICO® Score 8, range 300-850)
10/24/2017 - EQ 845 (Citi EQ FICO® Bankcard Score 8, range 250-900)
GOAL - 800! - App free since 11/22/2017
Message 9 of 30
Senior Contributor

Re: Walmart CC + CreditKarma = poor man's TU monitoring service?

Too bad the CFPB, Card Act, or TILA do not make them provide those scores :-/ lol
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 10 of 30