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Regular Contributor
Rein
Posts: 122
Registered: ‎10-29-2012
0

No update

I had a judgment removed from my credit report about a 2 weeks ago. Just got an email from myfico stating there's no update on my score! I'm so bummed.. Thought i was going to get a big increase. I'm so hurt that I want to apply for a Walmart credit card! I am at a 544 on EQ and don't need a hard inquiry. But I seriously need a positive TL. Thank You Myfico for listening!

Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: No update

Hopefully it will update soon and you will get that card and your monthly TU FICO08.


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Regular Contributor
Rein
Posts: 122
Registered: ‎10-29-2012
0

Re: No update

is GE easy? I want to apply so bad to get that postive TL. But so scare to get that hard inquiry. 

Valued Contributor
rckstrscott
Posts: 2,660
Registered: ‎04-25-2011
0

Re: No update


Rein wrote:

is GE easy? I want to apply so bad to get that postive TL. But so scare to get that hard inquiry. 


Why are you scared to get a inq?

 

Inq damage is SO overrated.. however, I don't think your scores will allow you to get that walmart card yet. I have seen you need near 600 to be able to get it.

 

Do you have any other public records on your credit report?

 

-scoitt

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 09/14: TU: 784 | EQ: 752 | EX: 784
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession


Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX
Frequent Contributor
pineappledaydreams
Posts: 257
Registered: ‎04-03-2012
0

Re: No update

Why does everyone get the ge walmart card i never understood. Maybe im just biased and hate walmart logo lol. So what is it about the card ? Why not a secured with a bank or something?
On my phone apologies for the errors.



Starting Score: 501 EX FAKO
Current Score: 745TU Fico
Current Score:714EQ Fico
Current Score: 742 fico


Take the FICO Fitness Challenge
Established Contributor
bettercreditguy1
Posts: 760
Registered: ‎02-11-2012
0

Re: No update

What other lates, baddies, judgments are reporting? We need more information to assist you better.

Starting scores 01/02/2012 EQ 707(Fico) TU 733(Fico) EXP 735 (FAKO)
Updated scores 06/01/2014 EQ 797(Fico) TU 768(Fico) EXP 769 (Fico), EQ 849 (Next Gen 5/27/14 Penfed)


Remember the Three P's: Pay early in Full, Pay on Time, Patience
Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: No update


pineappledaydreams wrote:
Why does everyone get the ge walmart card i never understood. Maybe im just biased and hate walmart logo lol. So what is it about the card ? Why not a secured with a bank or something?

Walmart is a popular store.  With that in mind, their CC is backed by GECRB.  They are great for building credit.  They give good CLIs to help with your util, and they provide you with a monthly free TU FICO08 score.


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Valued Contributor
rckstrscott
Posts: 2,660
Registered: ‎04-25-2011
0

Re: No update


Shogun wrote:

pineappledaydreams wrote:
Why does everyone get the ge walmart card i never understood. Maybe im just biased and hate walmart logo lol. So what is it about the card ? Why not a secured with a bank or something?

Walmart is a popular store.  With that in mind, their CC is backed by GECRB.  They are great for building credit.  They give good CLIs to help with your util, and they provide you with a monthly free TU FICO08 score.


They also give generous limits.

 

I resisted the Walmart card for a long, long time. I don't shop at Walmart, and I have moral objections to some of their business practices. 

 

But Walmart doesn't run their credit card, GECRB does. As your credit gets better, it will graduate to a Discover card, and as mentioned before, they provide you with a free FICO score every month.

 

The GECRB Walmart credit card is one of the best rebuilding cards you can get. In addition, although I previously mentioned my issues with Walmart as a company, if push came to shove, you can get anything at Walmart. So if you found yourself in a temporary jam, a Walmart card is almost as good as a major credit card.

 

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 09/14: TU: 784 | EQ: 752 | EX: 784
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession


Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX
Frequent Contributor
pineappledaydreams
Posts: 257
Registered: ‎04-03-2012
0

Re: No update

What kind of score do I need to get one?
On my phone apologies for the errors.



Starting Score: 501 EX FAKO
Current Score: 745TU Fico
Current Score:714EQ Fico
Current Score: 742 fico


Take the FICO Fitness Challenge
Valued Contributor
Rhaeny
Posts: 1,507
Registered: ‎07-24-2011
0

Re: No update


rckstrscott wrote:

Shogun wrote:

pineappledaydreams wrote:
Why does everyone get the ge walmart card i never understood. Maybe im just biased and hate walmart logo lol. So what is it about the card ? Why not a secured with a bank or something?

Walmart is a popular store.  With that in mind, their CC is backed by GECRB.  They are great for building credit.  They give good CLIs to help with your util, and they provide you with a monthly free TU FICO08 score.


They also give generous limits.

 

I resisted the Walmart card for a long, long time. I don't shop at Walmart, and I have moral objections to some of their business practices. 

 

But Walmart doesn't run their credit card, GECRB does. As your credit gets better, it will graduate to a Discover card, and as mentioned before, they provide you with a free FICO score every month.

 

The GECRB Walmart credit card is one of the best rebuilding cards you can get. In addition, although I previously mentioned my issues with Walmart as a company, if push came to shove, you can get anything at Walmart. So if you found yourself in a temporary jam, a Walmart card is almost as good as a major credit card.

 

-scott


Plus you can use the Walmart card at Sam's Club which is what I do.  I gotta eat so I use Wally to get my food and just pay the money I budgeted for food to Wally, meanwhile I am building my credit.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014

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