Valued Contributor
creditnocash
Posts: 2,255
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 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000