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Established Member
-JR
Posts: 19
Registered: ‎05-19-2013
0

TU 04- How to get this?

I'm stuck in a catch 22.  I want to get the Walmart Discover card to get TU 04, but I don't think I can qualify.  Can I just call up Walmart, or even apply online, wait for the denial, and then ask my credit score?

Current Cards:
Khols $300, Avenue $280, Capital One $500

EQ: 632 (myFICO)
EX: 594 (myFICO)
TU: 644 (Credit Karma FAKO)
Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: TU 04- How to get this?


-JR wrote:

I'm stuck in a catch 22.  I want to get the Walmart Discover card to get TU 04, but I don't think I can qualify.  Can I just call up Walmart, or even apply online, wait for the denial, and then ask my credit score?


Walmart (GE moneybank) gives the TU08 I do believe.


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!
Frequent Contributor
Lechte
Posts: 465
Registered: ‎10-11-2013
0

Re: TU 04- How to get this?


-JR wrote:

I'm stuck in a catch 22.  I want to get the Walmart Discover card to get TU 04, but I don't think I can qualify.  Can I just call up Walmart, or even apply online, wait for the denial, and then ask my credit score?


You won't get a FICO score with your denial....at least I didn't.  I got a score based on their internal scoring method.  I think it ranges from 300-620.

(EX08 - 654) --- (TU08 - 643) --- (EQ08 - 667) --- (EQ04 - 676)


Super Contributor
mongstradamus
Posts: 7,106
Registered: ‎06-19-2013
0

Re: TU 04- How to get this?

The regular walmart store card offers free Tu fico score.  


EX Fico 795(amex fico) 9/25/14 Fako 801 CS/Credit.com 11/24/14
EQ SW 817 quizzle fako 796 7/19/14
TU Fico 804 Fako 787 Creditkarma 11/24/2014

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