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Walmart Credit Card Users: FREE Fico Scores are available!

Valued Member

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

Does anyone know if the Fico score service is available to business card users?  I'd really like to get the monthly score but definitely do not need another new trade line on my personal Credit report.   Does GEMB/Walmart biz card report to personal?  Any Walmart business card holders out there?

Administrator Emeritus

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


MarineVietVet wrote:

silver0187 wrote:

Both cards are backed by GEMB, so the you should expect stingy CL, unless you have a great credit profile of course.

As to the score being FICO or not, Barry, the site adminstrator, is still working on validating that i think.


The score is definitely a TU FICO score. What is being researched is what version of TU is being offered.

 

And the TU score is for both the store card and Discover card.

 

 

 

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".


Unfortunately, folks, I seem to have struck out in my attempts at finding out the version of the TU score being offered through this program.  Sorry I wasn't able to get you this information, though, regardless of the version being provided, it does look like a good deal!

 

-Barry

Formerly consumer affairs manager, media spokesman and myFICO Forums community manager at FICO, I'm now freelance writing for CreditCards.com and my own site, SpeakingOfCredit.com.

Regular Contributor

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

I was surprised to run across this tonight, and I was skeptical about pushing the button and accidentally being tricked into signing up for some monthly-fee monitoring service. What a great surprise to be able to check the score for free! I really appreciate this.


Starting Score: 550
Current Score: 673 EQ, 681 TU, 650 EX
Goal Score: 720

Update April 1: TU 615/EQ624
Update June 28: TU 641/EQ 626
Update Sept 21: TU 681, EQ 673, EX 650 (FAKO)
I FINALLY got that car at the rate I wanted! Thanks, FICO Forums!

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Regular Contributor

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

Maybe the fact tha they're seven new accounts lowers the average age of all of them.


Starting Score: 550
Current Score: 673 EQ, 681 TU, 650 EX
Goal Score: 720

Update April 1: TU 615/EQ624
Update June 28: TU 641/EQ 626
Update Sept 21: TU 681, EQ 673, EX 650 (FAKO)
I FINALLY got that car at the rate I wanted! Thanks, FICO Forums!

Take the FICO Fitness Challenge
Moderator Emerita

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


Barry wrote:

MarineVietVet wrote:

silver0187 wrote:

Both cards are backed by GEMB, so the you should expect stingy CL, unless you have a great credit profile of course.

As to the score being FICO or not, Barry, the site adminstrator, is still working on validating that i think.


The score is definitely a TU FICO score. What is being researched is what version of TU is being offered.

 

And the TU score is for both the store card and Discover card.

 

 

 

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".


Unfortunately, folks, I seem to have struck out in my attempts at finding out the version of the TU score being offered through this program.  Sorry I wasn't able to get you this information, though, regardless of the version being provided, it does look like a good deal!

 

-Barry



Thanks for trying, Barry! Smiley Happy  Maybe one day GEMB or Walmart will reveal it to us. Until then, it is still a pretty good deal.

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"However gradual may be the growth of confidence, that of credit requires still more time to arrive at maturity” ~ Benjamin Disraeli

Regular Contributor

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

Maybe if we called gemb they would tell us.

Frequent Contributor

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

Thanks Barry for looking into this . . .

 

Could you summarize for us, what are and how many are "Official" TU FICO versions and restate the version we buy here?

 

Thanks

SCUBA

 

Regular Contributor

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

I also signed up for this free service. However, the fico score at walmart.com was 26 points lower than myfico score!!!

Starting Score: TU 640, EQ 636, EX 645
Current Score: TU 665, EQ 706, EX ?
Goal Score: All above 700


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Senior Contributor

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


Prettylady1 wrote:
I also signed up for this free service. However, the fico score at walmart.com was 26 points lower than myfico score!!!

Ouch...perhaps they're doling out one of the 'enhanced' versions that weighs some variables more heavily than TU98.

DCU EQ 5.0, Citi EQ 08 Bankcard, PenFed EX NG2
EX 08: AFCU, Amex, Chase, PSECU EX 98(?)
TU 08: Barclays, Discover
Valued Member

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

Smiley Very Happy Smiley Very Happy Smiley Very Happy

 

Woohoo! I clicked on my Account Services this morning and was able to view my TU FICO score as well. Now coincidently, I just pulled my score here yesterday. There is only a 1 point difference - Walmart shows it at 709 and here it showed as 708. My credit utilization went up from 3% to 6% so once the payments get credited, I should see an increase....


Starting Score: TU-720, EQ-692, EX(FAKO)-766
Current Score: TU-720, EQ-692, EX(FAKO)-766
Goal Score: 850


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