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Really Walmart FICO??

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tryingagain62
Contributor
‎06-05-2014 05:16 PM
‎06-05-2014 05:16 PM

Really Walmart FICO??

,So the new Walmart FICO scores are up. Once again for the 6th month in a row mine is at  674. Over this time I have added 14 new CC's with 42K in additional CL. WTH?? Not 1 point up or down? No bureau is frozen, no fraud alerts, util is always between 1-2 %. This 'benefit' is totaly useless for me. I used to laugh the first couple of months when it stayed unchanged. Not so humorous any more.

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3 REPLIES 3
TRC_WA
Senior Contributor
‎06-05-2014 05:22 PM
‎06-05-2014 05:22 PM

Re: Really Walmart??

My score went up 11 points... And all I did was knock my util down from 23% to 14%.

 

It isn't broke... LOL

FICO8 current as of : 4-17-24 EQ: 724 TU: 707 EX: 706
Hard INQs last 12 months: EQ: 5 | TU: 8 | EX: 9
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 27% --- AAoA: 5.5 years --- Income: $200k
Last app: 4-6-24
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mongstradamus
Super Contributor
‎06-05-2014 05:40 PM
‎06-05-2014 05:40 PM

Re: Really Walmart FICO??

I don't even try and understand how fico TU scores are calculated. Mine went up 3 points after using an HP on my CSP app. Doesn't make much sense to me 



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
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jojomomma
Regular Contributor
‎06-05-2014 05:42 PM
‎06-05-2014 05:42 PM

Re: Really Walmart FICO??

Try discontinueing the FICO tracking, discontinue paperless.  Sign off.  Sign back up the next day and see if that changes anything.  I did this once after no changes for 3 months although other changes were showing on other reports and low and behold the fico refreshed and was diferent the next day when I enrolled.  

11/2011 FICO .................TU 672 ...........EQ 654........... EX 649
03/2015 FICO; .. TU 710.... EQ 721 ....,,,,.EX 722

Cap1 6850, Discover 17,600, WM Discover 6000, Chase 2500, Citi Simplicity 2600, Citi Dbl Cash 2,600, Home Dpt 500, VS 1200
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