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Established Member
Posts: 19
Registered: ‎05-19-2013
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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
Posts: 13,298
Registered: ‎04-15-2011
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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+
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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!
Frequent Contributor
Posts: 465
Registered: ‎10-11-2013
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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
Posts: 8,668
Registered: ‎06-19-2013
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Re: TU 04- How to get this?

The regular walmart store card offers free Tu fico score.  



EX Fico 791 1/7/15 Fako 801 CS/Credit.com 11/24/14
EQ SW bank enhanced 2/27/15 808 CK fako 807 2/7/15
TU Fico Barclay's 3/26/15 791 TU fico walmart 3/23/2015 788 Fako 808 Creditkarma 3/23/15
Established Contributor
Posts: 656
Registered: ‎12-03-2014
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Re: TU 04- How to get this?

[ Edited ]

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. 


Starting Score: 663Tu 668EX 678EQ
Current Score: 732 TU 748 Ex 750 EQ
Goal Score: 700 across the board I guess 760 now...


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Community Leader
Valued Contributor
Posts: 4,541
Registered: ‎10-07-2014

Re: TU 04- How to get this?

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

Moderator Emeritus
Posts: 10,898
Registered: ‎12-30-2011
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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? :smileywink:.

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 693, EQ 8 685, TU 705, EX 709 (02/27/15)
Goal Score: 700 on EQ 04 (01/01/16)


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Valued Contributor
Posts: 1,084
Registered: ‎04-11-2013
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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. 

Established Contributor
Posts: 656
Registered: ‎12-03-2014
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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? :smileywink:.


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


Starting Score: 663Tu 668EX 678EQ
Current Score: 732 TU 748 Ex 750 EQ
Goal Score: 700 across the board I guess 760 now...


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