Is Walmart fico 8 accurate?

[Anonymous]

Think about your profile like a new born baby
7, 14 even 21 months in it's still a 'baby' and everything the baby does is evaluated and looked at with a closer eye than what happens over a 7 month period of an experienced 'growed-up' profile

A 5 y.o. might catch a spanking for doing 'that' but who's gonna 'spank' the 5 month old?

[Anonymous]

That's a great analogy!

[Anonymous]

I just thought when I broke 700 I'd be in good shape. Seriously though, I've been obsessed with raising my point total,and I was overlooking the bigger picture.

I have another question also. I had a collection removed from TU, do I have to dispute each CRA or will EX and EQ somehow get the related info???

[Anonymous]

1) Don't fret because our 'programming' teaches us something different than how the RISK model acts

We are programmed that getting x,y,z on the S.A.T. is THE goal...get the # win the prize, period
Not your fault...this one isn't so simple, doesn't fit the mold

I say all the time, they give you checkers when the game being played is chess

Once one takes a deep breath and 'gets' it's a different game it clears everything up like a good QB figuring out the NFL some get it thrive, others just survive, others go game ( even great college QBs)

Same thing in the credit game, a lot maybe most never fully adjust and thrive ,most survive a best and a lot just don't

2) There are times when you dispute all 3 and they don't agree I wouldn't assume a TU action is gonna auto populate a deletion elsewhere.

They seem to share perhaps 'some' info but not others..there are plenty of times 2 CRAs will delete a bad address whereas the 3rd wants an act of Congress so I'd dispute all 3, cause who knows

[BeautifulBlueBoy]

Had you asked for advice, you would have saved an inquiry and a phone call.  Barclay's doesn't like a lot of new accounts.  

There are other cards better than Barclay's.