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Walmart TU08 scores are up i went down 3 points argh, i must look at what could have caused the dip
Whew! Mine went up 5 points, thought it would go down because I let a few balances report. Has gone up to 757!......up 109 points since Nov 2013 thankx to the folks here.
+4 to 665
I'm still not sure why this score is worse than Merrick (let alone why my TU lags behind EX & EQ)
Time is healing. Mine up 30 this month and DWs up 58
“Beware of little expenses. A small leak will sink a great ship” – Benjamin Franklin
Gardening since 3-26-15
10 points away from the promise land!!
Only gained a few points after having a couple public records removed. *pout*
Up to 703 woo! 700 club!
699, I'm knocking on the door!
Congrats Dutchess!
up 6 to 692 for I haven't the faintest idea why. Looks like the Walmart report is dated 5/2 that would've had 1 additional tradeline (no change to AAoA) but the recent Barclays inquiry got missed.
Expecting to take a dip in the next month or two: three new accounts dropping my AAoA down to 21 months (possibly 22 or 23 by the time they report, either way <2 years) and the inquiry from Barclays to move 0->1. Was hoping to get that inquiry close to isolated but oh well.
@SunriseEarth wrote:+4 to 665
I'm still not sure why this score is worse than Merrick (let alone why my TU lags behind EX & EQ)
Merrick is Bankcard-enhanced: all bets are off when we're talking industry options, but we've theorized that it probably counts payment history on credit cards far harsher than things like tax liens as an example... also that installment history in general is likely depressed as well vis a vis car repo and mix of credit possibly too.
Someone with strong revolving history compared to the rest of the report likely should be higher on a BC industry option comparing within major FiCO revisions (Wally TU '08 to Merrick TU '08 BC for example)... and also with Bankcard Enhanced scores tapping out at 900, all other things being equal for gold-plated folks or evenly distributed mixed files like myself, it's likely higher for that reason too.