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Walmart Discover question--Update Approved-- CLI success

tennisfan78
Established Contributor

Walmart Discover question--Update Approved-- CLI success

 

 

For those who applied for Walmart Discover, which credit report did they pull?

 

Thanks


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

Take the FICO Fitness Challenge
Message 1 of 40
39 REPLIES 39
mikka1
Frequent Contributor

Re: Walmart Discover question

I think GE usually pulls TU. At least I never had a GE pull on my EX. Though I don't have WM Discover, I have a Walmart store card.

But that might differ depending on where you live. I live in NJ.

In my wallet now: Amex PRG NPSL, Amex BCE $15k $17k (thanks to recent CLI), Chase Freedom 11k, CSP $6k, Chase United ME $5k, Citi Dividend $5.6k, Discover It $4.5k and a handful of other cards...
TU Dec 2013 - 752Sep 2013 - 764 - new all time maximum

Obsolete data aboveCurrent TU - probably around ~810, only using a few Chase & BofA cards now, not applying for much until we buy a house
Message 2 of 40
Swapmeet
Valued Contributor

Re: Walmart Discover question

TU in So Cal.



My Wallet:
WalMart: ||15k|| USAA Platinum MC: ||26k|| BCE: ||9k|| Chase Freedom Siggy: ||10k|| Discover it: ||6.5k|| SG Visa: ||11k||
USAA World MC: ||23k|| US Bank Cash+ Siggy: ||7.5k|| Citi TYP World MC: ||12k|| Barclays Arrival World MC: ||13k||Citi Double Cash World MC ||25k||Sallie Mae World MC ||18.8k||Fico Scores (3 Fico Monitoring): EQ 751,TU 749, EX 743. Last app: 9-12-14 Sallie
Message 3 of 40
rtw
Established Contributor

Re: Walmart Discover question

They pulled TU for me.


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 4 of 40
creditnocash
Valued Contributor

Re: Walmart Discover question

too my knowledge they always pull TU. 

 

the walmart card is backed by ge and on the discover network. 

 

i believe all walmart discover questions/calls/customer service is handled through ge as well. which again supports its only on the discover network as apposed to visa, mc, amex... 

 

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
Message 5 of 40
tennisfan78
Established Contributor

Re: Walmart Discover question

 


Thanks to all


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

Take the FICO Fitness Challenge
Message 6 of 40
tennisfan78
Established Contributor

Re: Walmart Discover question

 

 

also what is the apr like?


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

Take the FICO Fitness Challenge
Message 7 of 40
brother7
Established Contributor

Re: Walmart Discover question


@tennisfan78 wrote:

also what is the apr like?


They pulled TU for me which is the only CR with a serious derog (tax lien which falls off in November). My APR is 22.90% Smiley Surprised



04/01/2020 - EX 849 (Credit Scorecard EX FICO® Score 8, range 300-850)
02/20/2020 - TU 850 (Discover TU FICO® Score 8, range 300-850)
03/24/2020 - EQ 884 (Citi EQ FICO® Bankcard Score 8, range 250-900)
GOAL - 800! - App free since 11/22/2017
Message 8 of 40
tennisfan78
Established Contributor

Re: Walmart Discover question


@brother7 wrote:

@tennisfan78 wrote:

also what is the apr like?


They pulled TU for me which is the only CR with a serious derog (tax lien which falls off in November). My APR is 22.90% Smiley Surprised


That is high APR wow. So, this card is good for reducing overall utilization, but not to carry balance. (and free TU scores)

 

I bet you cant wait for the derog to fall off! That would be awesome.


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

Take the FICO Fitness Challenge
Message 9 of 40
bs6054
Valued Contributor

Re: Walmart Discover question

Looking at

 

https://chb.onlinecreditcenter6.com/consumereApply/Internet/walmart/en/js/TermsConditions.htm

 

Looks like the APR is 22.9 for all, not based on credit score.

Message 10 of 40
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