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Senior Contributor
john398
Posts: 3,517
Registered: ‎01-19-2009
0

Re: Walmart Credit Card Users: FREE Fico Scores are available!

This is how mine reads on walmart online site

As of August 04, 2011
your FICO® Score is:
661
Valued Contributor
bunnyrabbit
Posts: 1,413
Registered: ‎01-20-2008
0

Re: Walmart Credit Card Users: FREE Fico Scores are available!

Oh my goodness ~ this thread makes me to app for one ... but  I really don't need any more cc.   If I'm going to app for this, it will be same reason as other members ... FREE score!

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
It's very tough with small income ~ The Rewards are big little helper to me.
Regular Contributor
911gt34life
Posts: 236
Registered: ‎01-02-2010
0

Re: Walmart Credit Card Users: FREE Fico Scores are available!

the only reason i apply for walmart card is free fico score :smileyhappy: Black friday is coming.

Frequent Contributor
Juss11
Posts: 298
Registered: ‎10-16-2011
0

Re: Walmart Credit Card Users: FREE Fico Scores are available!

It cant be a true myfico score. Also the person who said take 15 points off and thats your score, has no clue what he is talking about.There are alot of things that facor a credit score,from ones credit to the next. I just did a walmart fico and it put me at 546. I knew this was wrong,so I paid for a transunion myfico and it put me at a 652. So who do you believe walmart or myfico? Im going with myfico!

Moderator Emeritus
MarineVietVet
Posts: 14,084
Registered: ‎07-14-2009
0

Re: Walmart Credit Card Users: FREE Fico Scores are available!


Juss11 wrote:

It cant be a true myfico score. Also the person who said take 15 points off and thats your score, has no clue what he is talking about.There are alot of things that facor a credit score,from ones credit to the next. I just did a walmart fico and it put me at 546. I knew this was wrong,so I paid for a transunion myfico and it put me at a 652. So who do you believe walmart or myfico? Im going with myfico!


I can assure you that it is indeed a true Transunion FICO score. This comes from a very highly placed source at myFICO. We just don't know yet what version it is.

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Regular Contributor
tburns
Posts: 151
Registered: ‎11-04-2010
0

Re: Walmart Credit Card Users: FREE Fico Scores are available!

I got a nice jump. Not sure what did it though.

 

713 - July

688 - Aug

696 - Sept

740 - Oct

 

 

I know the drop in Aug was due to getting my car loan and I guess the slight rebound was due to it not being such a new account the next 2 months. But a 44 point jump this month? Only thing I can think of is 2 of my CCs hit 1 year this month but that still seems like a huge jump for that?

Valued Contributor
visorboy1974
Posts: 1,132
Registered: ‎05-17-2010
0

Re: Walmart Credit Card Users: FREE Fico Scores are available!


MarineVietVet wrote:

I can assure you that it is indeed a true Transunion FICO score. This comes from a very highly placed source at myFICO. We just don't know yet what version it is.

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".


I think the wide range in scores is because TU has come out with a bunch of different scoring methods over the past 15 years.  Here is the 98 TU formula and who knows if WalMart is the TU 04 or 08?  I can attest that the score matched a CLI request score that was mailed to me a few days ago which is 680.  My other 2 TU scores range from 727-740.  

Regular Contributor
Gotagoal
Posts: 135
Registered: ‎06-28-2007
0

Re: Walmart Credit Card Users: FREE Fico Scores are available!

It's my understanding that the Walmart score updates about 1 x a month.  

 

I'm curious why my Fico score via Walmart is 32 points LOWER than the FICO score on myFico for TU.

 

Anyone know why?  I would expect them to be identical.

 

 

Contributor
MagicShot
Posts: 276
Registered: ‎01-15-2009
0

Re: Walmart Credit Card Users: FREE Fico Scores are available!


Gotagoal wrote:

It's my understanding that the Walmart score updates about 1 x a month.  

 

I'm curious why my Fico score via Walmart is 32 points LOWER than the FICO score on myFico for TU.

 

Anyone know why?  I would expect them to be identical.

 

 


There both FICO but we believe Walmart is using a newer FICO scoring model than on here.

Frequent Contributor
Juan123
Posts: 496
Registered: ‎04-16-2011
0

Re: Walmart Credit Card Users: FREE Fico Scores are available!

is that a good thing or a bad thing?


Starting Score: 575 (As Of Early 2011)
Current Score: TU: 767 EQ: 732 EX; 742 (As Of Feb 2012)
Goal Score: 750


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