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New Contributor
treefrogger
Posts: 74
Registered: ‎03-20-2011

Walmart Credit Card Users: FREE Fico Scores are available!

Sorry if this has been posted before, but I logged into my Walmart credit card account and see you can now get your TransUnion FICO score for free!

 

Under "Account Services" click on "View FICO Score".

 

This is awesome.

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

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

Nice. Thanks for the info.

 

I was expecting my score to be lower since I recently applied for an auto loan and had 6 INQ's hit my reports.

 

713!! Can't complain. I'll probably dip again once the loan hit my reports but I'm in gardening mode for the next 6-12 months anyways now.

Established Member
cf2701
Posts: 20
Registered: ‎05-21-2011

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

Awesome!  I have never noticed that on my account before.  Thanks for sharing, great find!


Starting Score: TU 637 EQ 597 06/03/11
Current Score: SAME
Goal Score: 700+


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Established Contributor
texasman07
Posts: 540
Registered: ‎02-17-2011

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

Wow thanks!! It beats paying 19.95 every time!! THANKS!!!! Mine droppped a few points due to new accounts Im now at 623 :-(
Amex Delta Gold $1000.00 CL; Discover $1000.00 CL; Gap Visa $4500.00 CL; AE Visa 4000.00 CL; Cap1 Quicksilver $2000.00; Walmart DISCOVER $4,000.00; Sam's Club Discover $8500.00; Barclay's Rewards MC $2000; CITIBank Dividend Platinum $300.00 CL; AMEX Green NPSL; Wells Fargo Rewards VISA $3,000.00 CL; Barclays US Airways Platinum MC $4000.00 CL; BOA Amex $1000.00 CL.

Established Contributor
ChesterPDexter
Posts: 618
Registered: ‎06-18-2007

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

Thanks for telling us.  I just checked my husband's (and then told him about it, ha ha - he doesn't mind, he was getting ready for work and he was just thrilled to see it - he has a WM card and I don't, also) and his score is 720.

 

That may not sound like much to some of you, but for someone who has seen numbers like 615 in the last few years, it's huge.  It's reason to have a party.  He just paid off all his cards, remember.  He has a debt to credit ration of like 1% right now.

 

The reasons given as "factors that detract from your score" were "public record" and "account age too new."  He has  a BK from 2004 and two PAID tax liens from 2005.  How long will it take until these stop holding him back, does anyone know?  And how much do they hold a score back?  His account age is like 4 years, I think, due to too many new accounts in the last few years.

 

Anyway, 720 is still awesome since I don't think we've ever seen anything int he 700s for either of us since we started tracking, and since each of us went through separate BKs in 2002 and 2004.

_________________________________________________________
Too many accounts; too many debts; lots of open credit, and lots of utilized credit. Scores somewhere in the 600s - I have no earthly idea exactly what number, but not 700 like it was, briefly.
Senior Contributor
john398
Posts: 3,511
Registered: ‎01-19-2009

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

Thanks OP, Looks like you have to enroll

 

I got 666 for my Fico Score but my TU is the worst of all 3, but it was so nice to get it for free

 

--

Because you have enrolled to receive Electronic Statements, you can also enroll to view your FICO® Score for free!

FICO® Scores determine the interest rates you pay on credit cards, mortgages and auto loans. Knowing your FICO Score can save you big money!
 
 
Here are the benefits:
 
 
  • View your FICO Score here for free!
  • See what is helping and hurting your FICO Score
  • See your updated FICO Score each month
  • Track the progress of your FICO Score history up to 12 months
 
 
Note: Viewing your FICO® Score will have no effect on your overall FICO Score
Senior Contributor
john398
Posts: 3,511
Registered: ‎01-19-2009

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

[ Edited ]

Also if you click view your credit report it takes you to myfico, so they must have a deal with this site thats awesome

Established Contributor
rom828
Posts: 930
Registered: ‎08-17-2007

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

Thanks for the post!

 

This is too cool!  I rarely use this card, but this score thing makes it worthwhile to have.

 

Is there any kind of limit on the number of times you can check your score using this feature (ie: only twice a month, etc)??

FICOS: TU 722(6-4-14) EQ '08 730( 6-12-14)
EX 719 (9-9-13)

Regular Contributor
Smarter
Posts: 151
Registered: ‎11-14-2007

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

THANKS!  I can't believe I never saw this!

New Contributor
Laura2323
Posts: 52
Registered: ‎06-21-2011

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

This is great - never realized it was there.  Strange thing is I ordered by transunion report from my fico this morning and then saw the walmart thread.  I then got my number from the walmart link and it was different from the one I had gotten 30 minutes earlier from myfico (by only about 3 or 4 points).  Kinda weird ...


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
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