Valued Contributor
crunching_numbers
Posts: 1,092
Registered: ‎02-15-2012
Re: November Walmart Scores are UP!

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. 


Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: 748 TU(12/12), 783 TU98 , 813 TU08 FICO, 744 EQ FICO , 735 EX(9/12), 794 EX08 FICO, 809 EX08 bankcard FICO
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (20.7K), BofA Travel Rewards ($17.5), B&N World MC ($17.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (15K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig ($8.6K), Disc It ($8K), Citi Dia Pref MC ($3.7K),Sam's D ($8.5K), Wally D ($7.5K), JCP($5.3K)
Valued Contributor
crunching_numbers
Posts: 1,092
Registered: ‎02-15-2012
Re: November Walmart Scores are UP!
[ Edited ]

Also, the calculations are different and the initial reports are different. Make sure there is not an error or baddie on your low score.


Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: 748 TU(12/12), 783 TU98 , 813 TU08 FICO, 744 EQ FICO , 735 EX(9/12), 794 EX08 FICO, 809 EX08 bankcard FICO
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (20.7K), BofA Travel Rewards ($17.5), B&N World MC ($17.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (15K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig ($8.6K), Disc It ($8K), Citi Dia Pref MC ($3.7K),Sam's D ($8.5K), Wally D ($7.5K), JCP($5.3K)
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
Re: November Walmart Scores are UP!

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.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Valued Contributor
creditnocash
Posts: 2,164
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: EQ 735 Discover 9/5/13 Walmart TU 730 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: 31k+

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Contributor
Errin1
Posts: 81
Registered: ‎08-12-2010
Re: November Walmart Scores are UP!
[ Edited ]

yeah I know...it seems they would report the debt every other month, until I got it fixed. I had no idea this was going on until the myfico family hipped me to the free walmart TU reports. Boy was I glad I applied for the card. :smileysurprised: Protecting your credit is a beast and my new obsession.


SportBike4Life wrote:

Errin1 wrote:

Mine's is down one point :smileymad:

love the yoyo months....stupid alma mater kept reporting a debt I never owed....after leaving that place over 20 years ago. :smileysurprised:  I finally got it fixed. 


that's an interesting graph :smileywink:


 

hr> src="http://i.imgur.com/LEYWe.png">Starting Score: TU 610 EQ 655 - 8/2010
Current Score: EQ 714 9/13 EXP 708 8/13 TU 717 8/13
Goal Score: too much of a yoyo, maintain the 700's for 2013

Take the FICO Fitness Challenge
Contributor
Errin1
Posts: 81
Registered: ‎08-12-2010
Re: November Walmart Scores are UP!

sheesh...where did my graph go????:smileysurprised:

hr> src="http://i.imgur.com/LEYWe.png">Starting Score: TU 610 EQ 655 - 8/2010
Current Score: EQ 714 9/13 EXP 708 8/13 TU 717 8/13
Goal Score: too much of a yoyo, maintain the 700's for 2013

Take the FICO Fitness Challenge
Regular Contributor
gijoe4500
Posts: 231
Registered: ‎05-12-2010
Re: November Walmart Scores are UP!

I'm up 7 points to a 679!  Slowly but surely going up each month.

Last Hard Pull 05/24/2013

Starting Score: MyFico TU: 621 EQ: 610
Current Score: AmEx EX: 700 Walmart TU: 711 EQ: 699
Goal Score: 700's baby! (made it 4/10/2013!)
New Goal: 740!!


Take the FICO Fitness Challenge
New Contributor
heathuhhhhwebbbb
Posts: 163
Registered: ‎10-18-2012
Re: November Walmart Scores are UP!

Just checked mine and its at 683 from 678!  Yay!

09/2013: TU FICO 692, EQ FICO 698, EX PLUS 709. No apps until December 2014!
Freedom: $1500 Cap1 Plat: $2000 Cap1 Cash: $1500 Barclays: $4000 Walmart: $2700 GE Luxury: $4800 Jared: $1500 Davids Bridal: $1500
Established Contributor
CruzImperial
Posts: 863
Registered: ‎07-04-2012
Re: November Walmart Scores are UP!

 

Down 23 points.. sucks..

Fico Scores: . Walmart TU 748 . App free since Aug 2013 .

Cap One Journey 500 | Discover IT 1k | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 6k | Barclays Apple 2.5k | BoA CR 800 | CSP 7.2k
Established Contributor
colindidit
Posts: 665
Registered: ‎11-13-2012
Re: November Walmart Scores are UP!

last month i had a 743, went down to 716 this month...but jumped from 640 in september still good enough to me.

 

Wallet: Barclay-5k, Citadel MC- 5k, Slate- 4k, Freedom- 3k, BOA- 3k, Citi- 2k, AMEXBCE- 2k and more...