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    <title>topic Re: WALMART FICO IS UP (SEPT/2012)!!!! in Credit Cards</title>
    <link>https://ficoforums.myfico.com/t5/Credit-Cards/WALMART-FICO-IS-UP-SEPT-2012/m-p/1590090#M437429</link>
    <description>&lt;P&gt;OUCH!!&amp;nbsp; Made my payments (on 2 cards) the day after my statements&amp;nbsp;posted to the CRA's, so my heavy balances (that I PIF every month &lt;EM&gt;usually&lt;/EM&gt; before the statement cuts) dinged my score by a whopping&amp;nbsp;45 points!&amp;nbsp;&amp;nbsp;I checked my reports to make sure there was nothing else that happened, but it was just the utilization.&amp;nbsp; So, for&amp;nbsp;those of you wondering how much impact your utilization has....there it is!&amp;nbsp; Fortunately, I am in the garden so it's not a problem, but does make you feel like you're going to lose your lunch to see that kind of drop in your score.&amp;nbsp; lol&lt;/P&gt;</description>
    <pubDate>Fri, 14 Sep 2012 18:50:48 GMT</pubDate>
    <dc:creator>AZHeather</dc:creator>
    <dc:date>2012-09-14T18:50:48Z</dc:date>
    <item>
      <title>WALMART FICO IS UP (SEPT/2012)!!!!</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/WALMART-FICO-IS-UP-SEPT-2012/m-p/1589060#M437158</link>
      <description>&lt;P&gt;Down 4 points ..... &lt;img id="smileyfrustrated" class="emoticon emoticon-smileyfrustrated" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-frustrated.gif" alt="Smiley Frustrated" title="Smiley Frustrated" /&gt;&lt;/P&gt;</description>
      <pubDate>Fri, 14 Sep 2012 02:55:44 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/WALMART-FICO-IS-UP-SEPT-2012/m-p/1589060#M437158</guid>
      <dc:creator>kobe2012</dc:creator>
      <dc:date>2012-09-14T02:55:44Z</dc:date>
    </item>
    <item>
      <title>Re: WALMART FICO IS UP (SEPT/2012)!!!!</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/WALMART-FICO-IS-UP-SEPT-2012/m-p/1589072#M437161</link>
      <description>&lt;P&gt;OMG! &amp;nbsp;706!!! First time I've ever seen one of my scores over 700!&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Now if EQ would just get with the program and catch up... &lt;img id="smileywink" class="emoticon emoticon-smileywink" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-wink.gif" alt="Smiley Wink" title="Smiley Wink" /&gt;&lt;/P&gt;</description>
      <pubDate>Fri, 14 Sep 2012 03:00:32 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/WALMART-FICO-IS-UP-SEPT-2012/m-p/1589072#M437161</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2012-09-14T03:00:32Z</dc:date>
    </item>
    <item>
      <title>Re: WALMART FICO IS UP (SEPT/2012)!!!!</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/WALMART-FICO-IS-UP-SEPT-2012/m-p/1589086#M437162</link>
      <description>&lt;P&gt;+46 for me.&amp;nbsp;&lt;/P&gt;&lt;P&gt;What a wild ride.&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;1 acct reporting 0&lt;/P&gt;&lt;P&gt;1 Inq fell off.&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Wally says 682 - CK says 668/693 (TR/Vant) - CS says 716&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Fri, 14 Sep 2012 03:03:18 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/WALMART-FICO-IS-UP-SEPT-2012/m-p/1589086#M437162</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2012-09-14T03:03:18Z</dc:date>
    </item>
    <item>
      <title>Re: WALMART FICO IS UP (SEPT/2012)!!!!</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/WALMART-FICO-IS-UP-SEPT-2012/m-p/1589100#M437165</link>
      <description>&lt;P&gt;Up 15 to 667...working hard to get my TU up over 700...almost there!&lt;/P&gt;</description>
      <pubDate>Fri, 14 Sep 2012 03:10:45 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/WALMART-FICO-IS-UP-SEPT-2012/m-p/1589100#M437165</guid>
      <dc:creator>bbrannan</dc:creator>
      <dc:date>2012-09-14T03:10:45Z</dc:date>
    </item>
    <item>
      <title>Re: WALMART FICO IS UP (SEPT/2012)!!!!</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/WALMART-FICO-IS-UP-SEPT-2012/m-p/1589102#M437166</link>
      <description>&lt;P&gt;Up 20 from 665 to 685 &lt;img id="smileyvery-happy" class="emoticon emoticon-smileyvery-happy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-very-happy.gif" alt="Smiley Very Happy" title="Smiley Very Happy" /&gt; yayyyy&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;my CS is up over 700 which makes me happy, CK is at 663 - I know that CS and CK are fako but when CS broke 700 I just got really happy &lt;img id="smileytongue" class="emoticon emoticon-smileytongue" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-tongue.gif" alt="Smiley Tongue" title="Smiley Tongue" /&gt; At least I know i'm headed in the right direction &lt;img id="smileyvery-happy" class="emoticon emoticon-smileyvery-happy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-very-happy.gif" alt="Smiley Very Happy" title="Smiley Very Happy" /&gt;&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Fri, 14 Sep 2012 03:14:07 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/WALMART-FICO-IS-UP-SEPT-2012/m-p/1589102#M437166</guid>
      <dc:creator>jsucool76</dc:creator>
      <dc:date>2012-09-14T03:14:07Z</dc:date>
    </item>
    <item>
      <title>Re: WALMART FICO IS UP (SEPT/2012)!!!!</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/WALMART-FICO-IS-UP-SEPT-2012/m-p/1589108#M437167</link>
      <description>&lt;P&gt;Bah! &amp;nbsp;Down 13 to 708...&amp;nbsp;&lt;img id="smileyfrustrated" class="emoticon emoticon-smileyfrustrated" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-frustrated.gif" alt="Smiley Frustrated" title="Smiley Frustrated" /&gt;&lt;/P&gt;</description>
      <pubDate>Fri, 14 Sep 2012 03:18:00 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/WALMART-FICO-IS-UP-SEPT-2012/m-p/1589108#M437167</guid>
      <dc:creator>TNTransplant</dc:creator>
      <dc:date>2012-09-14T03:18:00Z</dc:date>
    </item>
    <item>
      <title>Re: WALMART FICO IS UP (SEPT/2012)!!!!</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/WALMART-FICO-IS-UP-SEPT-2012/m-p/1589112#M437168</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/535639"&gt;@TNTransplant&lt;/a&gt; wrote:&lt;BR /&gt;&lt;P&gt;Bah! &amp;nbsp;Down 13 to 708...&amp;nbsp;&lt;img id="smileyfrustrated" class="emoticon emoticon-smileyfrustrated" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-frustrated.gif" alt="Smiley Frustrated" title="Smiley Frustrated" /&gt;&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;I feel yah!&lt;/P&gt;</description>
      <pubDate>Fri, 14 Sep 2012 03:18:35 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/WALMART-FICO-IS-UP-SEPT-2012/m-p/1589112#M437168</guid>
      <dc:creator>kobe2012</dc:creator>
      <dc:date>2012-09-14T03:18:35Z</dc:date>
    </item>
    <item>
      <title>Re: WALMART FICO IS UP (SEPT/2012)!!!!</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/WALMART-FICO-IS-UP-SEPT-2012/m-p/1589114#M437169</link>
      <description>&lt;P&gt;No change on mine. &amp;nbsp;My Discover didn't report that I had paid off my entire balance until after the Walmart's reporting date. &amp;nbsp;I'll probably get a decent boost next month.&lt;/P&gt;</description>
      <pubDate>Fri, 14 Sep 2012 03:19:25 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/WALMART-FICO-IS-UP-SEPT-2012/m-p/1589114#M437169</guid>
      <dc:creator>lithium78</dc:creator>
      <dc:date>2012-09-14T03:19:25Z</dc:date>
    </item>
    <item>
      <title>Re: WALMART FICO IS UP (SEPT/2012)!!!!</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/WALMART-FICO-IS-UP-SEPT-2012/m-p/1589118#M437171</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/563117"&gt;@kobe2012&lt;/a&gt; wrote:&lt;BR /&gt;&lt;P&gt;Down 4 points ..... &lt;img id="smileyfrustrated" class="emoticon emoticon-smileyfrustrated" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-frustrated.gif" alt="Smiley Frustrated" title="Smiley Frustrated" /&gt;&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Yep, any decrease is just plain irritating at this point in the game...&amp;nbsp;&lt;img id="smileymad" class="emoticon emoticon-smileymad" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-mad.gif" alt="Smiley Mad" title="Smiley Mad" /&gt;&lt;/P&gt;</description>
      <pubDate>Fri, 14 Sep 2012 03:20:43 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/WALMART-FICO-IS-UP-SEPT-2012/m-p/1589118#M437171</guid>
      <dc:creator>TNTransplant</dc:creator>
      <dc:date>2012-09-14T03:20:43Z</dc:date>
    </item>
    <item>
      <title>Re: WALMART FICO IS UP (SEPT/2012)!!!!</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/WALMART-FICO-IS-UP-SEPT-2012/m-p/1589142#M437178</link>
      <description>&lt;P&gt;I can't believe it...I'm up 12 points to 701! I have never been at this point in my life and I owe it all to these forums!&lt;/P&gt;</description>
      <pubDate>Fri, 14 Sep 2012 03:34:53 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/WALMART-FICO-IS-UP-SEPT-2012/m-p/1589142#M437178</guid>
      <dc:creator>qtcbcute</dc:creator>
      <dc:date>2012-09-14T03:34:53Z</dc:date>
    </item>
    <item>
      <title>Re: WALMART FICO IS UP (SEPT/2012)!!!!</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/WALMART-FICO-IS-UP-SEPT-2012/m-p/1589146#M437180</link>
      <description>700ish</description>
      <pubDate>Fri, 14 Sep 2012 03:35:23 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/WALMART-FICO-IS-UP-SEPT-2012/m-p/1589146#M437180</guid>
      <dc:creator>armbenderc</dc:creator>
      <dc:date>2012-09-14T03:35:23Z</dc:date>
    </item>
    <item>
      <title>Re: WALMART FICO IS UP (SEPT/2012)!!!!</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/WALMART-FICO-IS-UP-SEPT-2012/m-p/1589168#M437185</link>
      <description>&lt;P&gt;Can you view your score on the mobile site? I'm away for a few days and don't see the option to view my score from my iPad.&lt;/P&gt;</description>
      <pubDate>Fri, 14 Sep 2012 03:42:59 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/WALMART-FICO-IS-UP-SEPT-2012/m-p/1589168#M437185</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2012-09-14T03:42:59Z</dc:date>
    </item>
    <item>
      <title>Re: WALMART FICO IS UP (SEPT/2012)!!!!</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/WALMART-FICO-IS-UP-SEPT-2012/m-p/1589170#M437186</link>
      <description>&lt;P&gt;+ 19 &amp;nbsp;687 B off inq&lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt;&lt;/P&gt;</description>
      <pubDate>Fri, 14 Sep 2012 03:43:44 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/WALMART-FICO-IS-UP-SEPT-2012/m-p/1589170#M437186</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2012-09-14T03:43:44Z</dc:date>
    </item>
    <item>
      <title>Re: WALMART FICO IS UP (SEPT/2012)!!!!</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/WALMART-FICO-IS-UP-SEPT-2012/m-p/1589180#M437187</link>
      <description>&lt;P&gt;Down 7 pts to 798...it says I recently opened a new account (that's what I get for accepting the Walmart Discover upgrade).&lt;/P&gt;</description>
      <pubDate>Fri, 14 Sep 2012 03:49:15 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/WALMART-FICO-IS-UP-SEPT-2012/m-p/1589180#M437187</guid>
      <dc:creator>emptypockets</dc:creator>
      <dc:date>2012-09-14T03:49:15Z</dc:date>
    </item>
    <item>
      <title>Re: WALMART FICO IS UP (SEPT/2012)!!!!</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/WALMART-FICO-IS-UP-SEPT-2012/m-p/1589186#M437188</link>
      <description>&lt;P&gt;i cant believe i only dropped 10 points! 738 to 728.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;ive added 3 new tl and had like 4 more inquries.&amp;nbsp;&lt;/P&gt;&lt;P&gt;dropped util though.&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;my installment loan is not reporting yet (which took 2 of those inquries)&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;cant wait for next month when amex and my car shows up on that score.&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Fri, 14 Sep 2012 03:50:10 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/WALMART-FICO-IS-UP-SEPT-2012/m-p/1589186#M437188</guid>
      <dc:creator>creditnocash</dc:creator>
      <dc:date>2012-09-14T03:50:10Z</dc:date>
    </item>
    <item>
      <title>Re: WALMART FICO IS UP (SEPT/2012)!!!!</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/WALMART-FICO-IS-UP-SEPT-2012/m-p/1589188#M437189</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@Anonymous wrote:&lt;BR /&gt;&lt;P&gt;Can you view your score on the mobile site? I'm away for a few days and don't see the option to view my score from my iPad.&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Try going to the desktop site on your ipad. I don't know if it is the same for you (I checked on an android phone) but there is a "full site" button on there.&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&lt;IMG alt="" src="http://i49.tinypic.com/2a8hxye.jpg" align="center" border="0" title="" /&gt;&lt;/P&gt;</description>
      <pubDate>Fri, 14 Sep 2012 03:53:39 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/WALMART-FICO-IS-UP-SEPT-2012/m-p/1589188#M437189</guid>
      <dc:creator>jsucool76</dc:creator>
      <dc:date>2012-09-14T03:53:39Z</dc:date>
    </item>
    <item>
      <title>Re: WALMART FICO IS UP (SEPT/2012)!!!!</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/WALMART-FICO-IS-UP-SEPT-2012/m-p/1589202#M437190</link>
      <description>&lt;P&gt;Aaarrggggghhh... down 7 to 690&lt;/P&gt;</description>
      <pubDate>Fri, 14 Sep 2012 03:57:00 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/WALMART-FICO-IS-UP-SEPT-2012/m-p/1589202#M437190</guid>
      <dc:creator>Mellon</dc:creator>
      <dc:date>2012-09-14T03:57:00Z</dc:date>
    </item>
    <item>
      <title>Re: WALMART FICO IS UP (SEPT/2012)!!!!</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/WALMART-FICO-IS-UP-SEPT-2012/m-p/1589218#M437194</link>
      <description>&lt;P&gt;Up 2 points to 754!&amp;nbsp;&lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt;&lt;/P&gt;</description>
      <pubDate>Fri, 14 Sep 2012 04:03:07 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/WALMART-FICO-IS-UP-SEPT-2012/m-p/1589218#M437194</guid>
      <dc:creator>xiownthisplacex</dc:creator>
      <dc:date>2012-09-14T04:03:07Z</dc:date>
    </item>
    <item>
      <title>Re: WALMART FICO IS UP (SEPT/2012)!!!!</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/WALMART-FICO-IS-UP-SEPT-2012/m-p/1589272#M437206</link>
      <description>&lt;P&gt;Up 11 pts to 696&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;drop UTL by &amp;nbsp;about 6 percent&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;and 32 days App Free.&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Next month will be back over 700pts again :-)&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Fri, 14 Sep 2012 04:28:28 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/WALMART-FICO-IS-UP-SEPT-2012/m-p/1589272#M437206</guid>
      <dc:creator>jamesdwi</dc:creator>
      <dc:date>2012-09-14T04:28:28Z</dc:date>
    </item>
    <item>
      <title>Re: WALMART FICO IS UP (SEPT/2012)!!!!</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/WALMART-FICO-IS-UP-SEPT-2012/m-p/1589342#M437220</link>
      <description>&lt;P&gt;Down 15 lol. Sure enough TU is a solid week behind EX and EQ and with my statements due last week the utilization is showing up much differently. Ugh i wish Transunion wasnt such a worthless CRA&lt;/P&gt;</description>
      <pubDate>Fri, 14 Sep 2012 05:09:47 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/WALMART-FICO-IS-UP-SEPT-2012/m-p/1589342#M437220</guid>
      <dc:creator>AF_23</dc:creator>
      <dc:date>2012-09-14T05:09:47Z</dc:date>
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