Valued Contributor
Posts: 2,300
Registered: ‎07-23-2012
Re: Walmart Discover and Walmart Credit Card

jorgevazquez87 wrote:

Thanks for your response.


About the delinquency, it was a total mistake of mine to let the payment past due. Also I have an account (student loan) which I paid in full on this month (2 weeks ago) but it's still on the FICO report, do that amount shown even already paid in full could benefit or affect the decision on approval for the Walmart CC?



im sure it can effect it but not by much. installment loan util is placed way lower on the fico scale compared to revolving util

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