Reply
Valued Member
Credit_Ranger
Posts: 45
Registered: ‎07-29-2011
0

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
Barry
Posts: 4,390
Registered: ‎03-01-2007
0

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

In a past life I served as FICO consumer affairs manager, FICO media spokesman, and myFICO Forums community manager from 2007 to 2012. I'm now freelance writing about credit at CreditCards.com and on my own site, SpeakingOfCredit.com.
Regular Contributor
poet
Posts: 161
Registered: ‎06-17-2007
0

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!

Take the FICO Fitness Challenge
Regular Contributor
poet
Posts: 161
Registered: ‎06-17-2007
0

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
LilMirth
Posts: 3,091
Registered: ‎08-09-2008
0

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! :smileyhappy:  Maybe one day GEMB or Walmart will reveal it to us. Until then, it is still a pretty good deal.

-------------------------------------------


Friendly, Supportive & Respectful


Understanding Your FICO Score  |  Credit Scoring 101  |  Common Abbreviations  |  FTC: FCRA Links  |  FTC: FDCPA Links  |  Opt-Out  |  State Resources


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

Regular Contributor
morganirish
Posts: 188
Registered: ‎10-15-2008
0

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

Maybe if we called gemb they would tell us.

Frequent Contributor
Scuba
Posts: 455
Registered: ‎06-08-2008
0

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
Prettylady1
Posts: 147
Registered: ‎06-20-2011
0

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


Take the FICO Fitness Challenge
Senior Contributor
score_building
Posts: 3,577
Registered: ‎01-10-2008
0

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.

FICOS:
06/13 EX 765 (PSECU) EQ 771 (DCU) TU 779 (Barclays)
Valued Member
sinceregal09
Posts: 42
Registered: ‎03-15-2009
0

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

:smileyvery-happy: :smileyvery-happy: :smileyvery-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


Take the myFICO Fitness Challenge

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
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}