Valued Contributor
rckstrscott
Posts: 2,659
Registered: ‎04-25-2011
Re: Walmart FICO rebuild

Blizz127 wrote:

Is the Walmart Fico score reliable? From what i've seen around here it looks like it.  But i've used American Express and another (creditkeeper) and it was a bit different.


The Walmart FICO is a FICO score... The AMEX one is a FAKO score... The CreditKeeper score is a FAKO..

 

The Walmart FICO uses a score that is used by lenders, and is branded by FICO. FICO scores are used in 90 percent of lender decisions.

 

 

-scott

 

 

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 05/12: TU: 722 | EQ: 712 | EX: 686
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession

Still Working On: Illinois Paid Tax Lien,
Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $3900, Citi/Home Depot $2000, Capital One Cash Rewards $1500, Capital One Secured $500, Credit One Bank $500. Total Utilization: 6%. AAoA: 1yr, 7mth. INQS: 8 TU, 8 EQ, 4 EX