topic Re: WALMART FICO AS OF TODAY in Credit Cards

WALMART FICO AS OF TODAY

Anonymous — Sat, 24 Nov 2012 14:38:00 GMT

My first fico score from Walmart Shows 698
I'm so happy I wonder how high can it go in 2 years cuz I'm not applying till all inquiries go away from my credit report on 10/2014

Feels great to know scores are going up again since my score dropped 90 points after all the new accounts and new credit lines

Re: WALMART FICO AS OF TODAY

youngandcreditwrthy — Sat, 24 Nov 2012 16:22:44 GMT

Omg! A 90 point drop sounds horrible! Congrata though :-D

Re: WALMART FICO AS OF TODAY

Anonymous — Sat, 24 Nov 2012 16:44:46 GMT

Yes. It was horrible! My fico 718 transunion. Dropped to 635. And finally today I register online for my Walmart credit card and I pulled my fico score which was 698 After 2 months it went almost all the way back to what it was

Re: WALMART FICO AS OF TODAY

dodgerslv — Sat, 24 Nov 2012 16:50:47 GMT

@Anonymous wrote:
Yes. It was horrible! My fico 718 transunion. Dropped to 635. And finally today I register online for my Walmart credit card and I pulled my fico score which was 698 After 2 months it went almost all the way back to what it was

Good to know you are on almost up there!!! If you dont mind me asking...how many new tradelines did u open????

Re: WALMART FICO AS OF TODAY

Jazzzy — Sat, 24 Nov 2012 17:24:42 GMT

@Anonymous wrote:
Yes. It was horrible! My fico 718 transunion. Dropped to 635. And finally today I register online for my Walmart credit card and I pulled my fico score which was 698 After 2 months it went almost all the way back to what it was

Everyone should keep in mind that the WalMart TU FICO is a TU 08 score, which is very different from the TU 98 score that we get here at MyFICO. I have read here on the forums that the newer TU 08 provided by WalMart is more "consumer friendly," and it's not used by most lenders. The TU that is used most is the TU 04 score, and we can't buy that.

As an example, my TU 98 score from MyFICO is 772. My TU 08 score from WalMart is 817.

My husband's TU 98 score from MyFICO is 786. His TU 08 from WalMart is 815.

His two TU scores are closer together than mine are, but there is still quite a wide difference. It's frustrating to have so many FICO scores out there (let alone all the FAKO scores). And we never know which TU FICO a lender will pull.

Re: WALMART FICO AS OF TODAY

Anonymous — Sat, 24 Nov 2012 18:08:55 GMT

Sure thing. dodgerslv. I got
Walmart I got and increase just today to 1500
Jcpenny increase today to 900
Amazon store card Increase today to 1200
PayPal extras master card my Highest limit 2000$
Navy federal cash rewards
Discover more card 750$

An 2000$ furniture loan

And my first card capitalone platinum 500$

N currently 10 months of history barely today

And. Jazzzy.
Bummer I was just getting happy about it lol
I mean it seems like theres a wide space between scores from Walmart and my fico I have to agree. I still waiting on my update on equifax from my fico I'm pretty sure I'm gonna see a different score . Equifax it's my highest

Re: WALMART FICO AS OF TODAY

creditnocash — Sat, 24 Nov 2012 18:28:14 GMT

@Jazzzy wrote:
@Anonymous wrote:
Yes. It was horrible! My fico 718 transunion. Dropped to 635. And finally today I register online for my Walmart credit card and I pulled my fico score which was 698 After 2 months it went almost all the way back to what it was
Everyone should keep in mind that the WalMart TU FICO is a TU 08 score, which is very different from the TU 98 score that we get here at MyFICO. I have read here on the forums that the newer TU 08 provided by WalMart is more "consumer friendly," and it's not used by most lenders. The TU that is used most is the TU 04 score, and we can't buy that.
As an example, my TU 98 score from MyFICO is 772. My TU 08 score from WalMart is 817.

My husband's TU 98 score from MyFICO is 786. His TU 08 from WalMart is 815.

His two TU scores are closer together than mine are, but there is still quite a wide difference. It's frustrating to have so many FICO scores out there (let alone all the FAKO scores). And we never know which TU FICO a lender will pull.

my tu score here is 682 (util) and walmart tu gave me 743 while amex + is 715

Re: WALMART FICO AS OF TODAY

mtrsprt — Sun, 25 Nov 2012 00:41:59 GMT

My Walmart TU FICO is aways within 4 points of my TU FICO through here.

Re: WALMART FICO AS OF TODAY

Anonymous — Sun, 25 Nov 2012 00:48:33 GMT

scores are irrelevant now a days. the equifax fico sold here is prob your best bet in tracking your scores especially if your a member of a credit union. other than that as long as your reports are clean and you keep util in check your good to go

Re: WALMART FICO AS OF TODAY

racer-x — Sun, 25 Nov 2012 00:59:05 GMT

My Walmart TU is at the other end of the spectrum compare to myfico TU. Walmart TU 641, myfico TU 684.

And yeah, my credit union uses EQ exclusively, which happens to be my highest score at 702.