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pat0812
Posts: 93
Registered: ‎09-10-2012
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Just got my first Walmart TU score. Is it good score?

I just started building my credit from scratch 6 months ago and today for the

first time I got my free TU Walmart FICO score. It shows 714

 

how good is that? How accurate is this compared to what most lenders pull?

 

 


Starting Score: EQ 683 TU 714
Current Score: EQ 683 TU 714
Goal Score: EQ 740 TU 740


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Shogun
Posts: 12,952
Registered: ‎04-15-2011
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Re: Just got my first Walmart TU score. Is it good score?

Not too bad.  :smileyhappy:


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+

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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
Repo-ed
Posts: 2,954
Registered: ‎02-09-2012
0

Re: Just got my first Walmart TU score. Is it good score?

You are MUCH better off than most of us around here...

 

Grats

Valued Contributor
Epcot
Posts: 2,789
Registered: ‎10-10-2012
0

Re: Just got my first Walmart TU score. Is it good score?

I think the walmart score is a TU08. Nice score!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Established Contributor
jamie123
Posts: 907
Registered: ‎03-22-2012
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Re: Just got my first Walmart TU score. Is it good score?

That is AWESOME!!!!

 

At 714 your score won't be the deciding factor in credit approvals. Your short history is now the only thing stopping you but that will vary by lender.

 

Are you going to app for the AMEX Green or Gold in December?



Starting Score: EQ 658 6/18/12
Current Score: EQ 690 11/17/14 - EX 687 7/21/14 - TU 682 7/21/14
Goal Score: EQ 720+
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Frequent Contributor
mtrsprt
Posts: 335
Registered: ‎07-27-2011
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Re: Just got my first Walmart TU score. Is it good score?

Your score is insane.

 

Rebuilding from scratch 6 months ago, and you have a 714 FICO.   I would consider yourself extremely one of a kind.  I'm gonna guess your history wasn't that bad, and your scores werent THAT low.

 

I started at 522 TU FICO, 1.5 years ago, when I started my rebuilding process.  Had $27,000.00 in collections from 5 major CC banks.  Basically decided to stop paying for a 5 year period.  1.5 years later, my FICO (TU) is 645............ (and that's opening 4 new accounts, and paying on time).

 

You have it easy.


Starting Score: 521 TU, 597 EQ, 574 EX on 6/20/2011
Current Score: 753 TU, 748 EQ, 766 EX on 11/13/2014
Goal Score: 720-740 Across the board


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Senior Contributor
jsucool76
Posts: 3,672
Registered: ‎12-11-2011
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Re: Just got my first Walmart TU score. Is it good score?

That is a pretty decent score for where you stand...but as for....


mtrsprt wrote:

Your score is insane.

 

Rebuilding from scratch 6 months ago, and you have a 714 FICO.   I would consider yourself extremely one of a kind.  I'm gonna guess your history wasn't that bad, and your scores werent THAT low.

 

I started at 522 TU FICO, 1.5 years ago, when I started my rebuilding process.  Had $27,000.00 in collections from 5 major CC banks.  Basically decided to stop paying for a 5 year period.  1.5 years later, my FICO (TU) is 645............ (and that's opening 4 new accounts, and paying on time).

 

You have it easy.


Score isn't everything. You can have an extremely thin file and get up to the 700s. Just because you have a decent score doesn't guarantee an approval for anything if your file is thin. 

 

but to OP, keep up the good work, seems like you're on the right track :smileyvery-happy: 

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