Valued Contributor
Posts: 2,300
Registered: ‎07-23-2012
Re: November Walmart Scores are UP!

distantarray wrote:

crunching_numbers wrote:

creditnocash wrote:

Autumnslight wrote:

Up to 750. That just seems unbelievable. My TU score is SO much higher than EQ EX, it's insane!


although it may be true. remember that the walmart score is a tu08 while the ficos here are tu98

 

my tu08 score like stated above says 743 but here last time it was around 690. eq is steady as well. 

 

all my reports are essentialy the same except for inq's. all have same accounts all same age. 


The EQ FICO here is an EQ04, not an EQ98. However, the TU score from here IS a TU98. 


also good to note TU08 is more consumer friendly. isolated instances like 30 day late payment affect your credit reports less, charge off under $100 does not factor into your scores, authorized users have a lessened affect etc.


i have no baddies just low aaoa. (9/10 months currently) becuase of alot of new accounts. 

 

so guess tu08 sees  that less of a risk? cant wait to see what my scores will be like in aug of '13

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000