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TU 04- How to get this?

Established Member

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)
Message 1 of 9
8 REPLIES
Moderator Emeritus

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 9
Frequent Contributor

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)


Message 3 of 9
Highlighted
Super Contributor

Re: TU 04- How to get this?

The regular walmart store card offers free Tu fico score.  



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
Message 4 of 9
Valued Contributor

Re: TU 04- How to get this?

Walmart supplies 08 TU not 04. With A new report pull here you now get 04 for EX and Eq. TU is supposedly in the works. This is in addition to 08 scores, and also bankcard and auto enhanced scores. 

I've got some cards, got my house and got some scores with a 7 in front. Now what? Oh yea, live some of that life stuff.
Message 5 of 9
Moderator

Re: TU 04- How to get this?

Let's hope it gets added soon to the new scores available here.

Message 6 of 9
Moderator

Re: TU 04- How to get this?

Oh wow I was confused looking at thread dates haha.  How'd you get to this one pfarro? Smiley Wink.

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


Take the myFICO Fitness Challenge
Message 7 of 9
Community Leader
Super Contributor

Re: TU 04- How to get this?

I received my FICO 04 scores from TU from US Bank and 5/3 Bank credit card letters/ card paperwork. 

Message 8 of 9
Valued Contributor

Re: TU 04- How to get this?


Revelate wrote:

Oh wow I was confused looking at thread dates haha.  How'd you get to this one pfarro? Smiley Wink.


popped up in my unread threads. maybe the server read the year wrong?

I've got some cards, got my house and got some scores with a 7 in front. Now what? Oh yea, live some of that life stuff.
Message 9 of 9