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Walmart Fico confusion

New Contributor

Walmart Fico confusion

so with my walmart card i get the free tu fico08 score a month. for some reason on there my score keeps going down each month, i cant figure out why because there should be nothing negative on my credit reports. any advice?

Message 1 of 8
7 REPLIES
Regular Contributor

Re: Walmart Fico confusion

Utilization maybe?

Message 2 of 8
New Contributor

Re: Walmart Fico confusion


SE7EN57 wrote:

Utilization maybe?


 

 

if anything my utilization is going down because i pif each month on all my credit cards except for my best buy card that i financed a macbook pro on, but i keep paying that off.

Message 3 of 8
Established Contributor

Re: Walmart Fico confusion

It could  be an old TL that dropped and possibly lowering your AAoA. Possibly a bogus collection surfaced or a dispute came back verified. It's really hard to say without comparing your reports.


2010: 475 EQ 2011: 503 EQ 2012: 600 EQ2013:632 EQ
Starting Score: 634 EQ-3/13/13
Current Score: 706 EQ-8/29/13 703 EX-7/12/13 705 TU-8/9/13
Goal Score: 700

Take the myFICO Fitness Challenge
Message 4 of 8
Senior Contributor

Re: Walmart Fico confusion

^ This.  You really need to look at your reports.  It could be any number of things and even a combination of things.

Message 5 of 8
Valued Contributor

Re: Walmart Fico confusion


CashOnDelivery wrote:

It could  be an old TL that dropped and possibly lowering your AAoA. Possibly a bogus collection surfaced or a dispute came back verified. It's really hard to say without comparing your reports.


+1 You need to take a look at your credit reports. If you're not subscribed to a service that lets you do it, get your free ones from annualcreditreport.com and see what's on them.

Message 6 of 8
New Contributor

Re: Walmart Fico confusion

whats the best service to use or a good place to buy a transunion credit report?

Message 7 of 8
Regular Contributor

Re: Walmart Fico confusion

Do you PIF before the statement cuts or after the statement? Because if its after the statement it's still going to affect your util as what the statement balance is what's reported to the bureaus
Message 8 of 8