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walmart scores are up

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mongstradamus
Super Contributor

walmart scores are up

Walmart TU08 scores are up  i went down 3 points argh, i must look at what could have caused the dip



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 1 of 34
33 REPLIES 33
ecxpa
Valued Contributor

Re: walmart scores are up

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.

Message 2 of 34
SunriseEarth
Moderator Emeritus

Re: walmart scores are up

+4 to 665

 

ficoChart.png

 

I'm still not sure why this score is worse than Merrick (let alone why my TU lags behind EX & EQ)



Start: 619 (TU08, 9/2013) | Current: 809 (TU08, 3/05/24)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Discover IT $46000 | Disney Premier VS $43600 | Venmo VS $30000 | NFCU More Rewards AMEX $25000 | Macy's AMEX $25000 Store $25000 | Cash+ VS $25000 | Altitude Go VS $25000 | Synchrony Premier $24,200 | Sony Card VS $23750 | GS Apple Card WEMC $22000 | WF Active Cash VS $18,000 | Jared Gold Card $16000 | FNBO Evergreen VS $15000 | Citi Custom Cash MC $14600 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Amazon VS $12000 | Freedom Flex WEMC $10000 | Belk MC $10000 | Wayfair MC $4500 ~~
Message 3 of 34
VirtualCuriosity
Established Contributor

Re: walmart scores are up

Time is healing.  Mine up 30 this month and DWs up 58


TU713, EQ 731 , EX 726 (As of 12/13/14) - Personal Goal = 760

“Beware of little expenses. A small leak will sink a great ship” – Benjamin Franklin

Gardening since 3-26-15































Message 4 of 34
CribDuchess
Established Contributor

Re: walmart scores are up

10 points away from the promise land!!  Smiley Happy

 

Walmart FICO May 2014.JPG

FICOs: TU08 842 EQ08 850 EX08 850

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex BCE $12K; Apple Card $20K; BofA Travel Rewards Visa Sig $67.6K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom $13K; Chase Freedom Unlimited $21.4K; Citi Costco Visa $19.3K; Citi Double Cash $13.5K; Citi Simplicity Visa $23.3K; Discover IT $50K; Fidelity Visa $25K; NFCU Flagship Visa Sig $40K; NFCU More Rewards Amex $30K; PenFed Plat Rewards Visa Sig $50K; Sears MC $10.1K; US Bank Altitude Go Visa Sig $20K; US Bank Cash+ Visa Sig $26K; Wells Fargo Rewards Visa Sig $14K
Message 5 of 34
injustifiiable
Valued Contributor

Walmart Ficos are uppp...

Only gained a few points after having a couple public records removed. *pout*

Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 6 of 34
tattooedhusker
Established Contributor

Re: Walmart Ficos are uppp...

Up to 703 woo! 700 club!

NFCU CashRewards $13.5k | AMEX BCE $15k | Lowes $17k | Sportsmanss guide $7.6k | Chase Freedom $1k | Discover IT $4.4k |
Walmart $8k | Gordman's $2950
Message 7 of 34
Genkeim
Frequent Contributor

Re: Walmart Ficos are uppp...

699, I'm knocking on the door!

NFCU NavCheck $15k | NFCU cashRewards $12.5k | NFCU goRewards $12.5k |AMEX SPG $10k | Citi AA WEMC $6.5k | CSP $5k | Wal-Mart MC $4.5k | US Air WMC $3.9k | Amex Everyday $2k | Amex BCE $2k | Chase Freedom $1k | Discover IT $800
Current Scores:Equifax 697 (myFICO 4/14), TransUnion 699 (Discover 5/14), Experian 754 (Amex 5/14)
Message 8 of 34
Revelate
Moderator Emeritus

Re: walmart scores are up

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.

 




        
Message 9 of 34
Revelate
Moderator Emeritus

Re: walmart scores are up


@SunriseEarth wrote:

+4 to 665

 

ficoChart.png

 

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.




        
Message 10 of 34
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