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Walmart FICO rebuild

Moderator Emeritus

Re: Walmart FICO rebuild

AMEX doesn't even use the AMEX 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!

June 2017 update: All scores over 820, just pure gardening now.
Message 11 of 23
New Contributor

Re: Walmart FICO rebuild

Oh wow that's my exactly 100 above my score from walmart fico updated on 12/3! Nice

 


Starting Score: myfico.comEQ 570 TU 614 EX (fako/experian.com) 565 5/24/12
Current Score: lender pulled EQ 672 TU 722 EX 692 as of 7/2/13
Goal Score: 700 across the board

Take the FICO Fitness Challenge
Message 12 of 23
New Contributor

Re: Walmart FICO rebuild

Very nice. Almost 100 points in 3 months.  There is hope for me yet.  I had a 28 point jump and I'm doing the happy dance.  Can't imagine what I'd do for 83Smiley Tongue

Starting Score: EQ: 605 (10/21/2012) Trans/Walmart: 641(10/26/2012)
Current Score: EQ: 678 (4/9/13) Trans/Walmart: 693 (5/13/13) EX: 648 (4/10/13) Lender pull

Message 13 of 23
Moderator Emeritus

Re: Walmart FICO rebuild

DW has had a 107 bump in 3 months.  She just checks with me every so often.  "What's my score now?"  Smiley Happy

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 14 of 23
Established Contributor

Re: Walmart FICO rebuild

LOL you know you're competing.



Starting Score: EQ: 383 2/2011
Current Score: TU: 644 EQ: 648 EX: 6?? 2/2015
Goal Score: 700


Take the FICO Fitness Challenge
Message 15 of 23
Moderator Emeritus

Re: Walmart FICO rebuild

But I'm the one cleaning and building her scores too.  So kind of working against myself.  Smiley Happy

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 16 of 23
Established Contributor

Re: Walmart FICO rebuild

My wife doesn't work, I'm very "old school" for a young guy. She does enough work taking care of me and my 2 boys. I'm so jealous when I pull her credit and I get the "You have a thin credit file" and they don't give me anything. Obviously, without income of her own she can't do much but I wonder if I could start "building" positive history for her with secured's and AU's as I get better down the road..set her up in case I pass or something.



Starting Score: EQ: 383 2/2011
Current Score: TU: 644 EQ: 648 EX: 6?? 2/2015
Goal Score: 700


Take the FICO Fitness Challenge
Message 17 of 23
Valued Contributor

Re: Walmart FICO rebuild

Very nice, my walmart TU score remains unchanged since last month.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 18 of 23
Frequent Contributor

Re: Walmart FICO rebuild

Congrats! 



MCU $1000 (open 5/2015) I Capital One $3750 (open 4/2012) I Discover IT $2000 (open May 2017)
Starting Score 07/2016: TU 619 I EX 631 I EQ 592 I
Current Score 05/2017: TU 658 I EX 666 I EQ 666 I
Goal Score: All scores between 670-700 by July 2017
Message 19 of 23
Frequent Contributor

Re: Walmart FICO rebuild

Sphinx, same with future/wife but she is headed to different route. Regardless she has a thin credit file, if in were you I'd get her an secured card. Whatever the limit is have that amount saved somewhere never to be touched except for that card if you're ever unable to pay, I know doesn't make sense because it's a secured account. This however is someone else's life, and report, you should be extra careful. That's what I'm currently doing for my girlfriend/fiance. I'll let you know what her fico is next month =)
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
Message 20 of 23