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Anyone use walmart free FICO Score??

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creditgambler2018
Regular Contributor

Anyone use walmart free FICO Score??

I just signed up for the free FICO score through walmart credit online website. Anyone know if it will update instantly like score watch if it changes or its more like it will only check once a month? Anyone know?? should i use this free fico score service to replace/cancel myFICO scorewatch.? I am a firm believer of u get what u pay for.... 

Message 1 of 40
39 REPLIES 39
haulingthescoreup
Moderator Emerita

Re: Anyone use walmart free FICO Score??

Once a month.

 

The jury is out as to which FICO TU score it is (TU98, TU04, TU2008, TU NextGen.) I've lost track on the speculation, lol.

 

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Message 2 of 40
Anonymous
Not applicable

Re: Anyone use walmart free FICO Score??

You should really do a search before you make a new thread.  

Message 3 of 40
MarineVietVet
Moderator Emeritus

Re: Anyone use walmart free FICO Score??


@ptrutkowski wrote:

You should really do a search before you make a new thread.  



Hi ptrutkowski,

 

Easy on the noobie.  Smiley Happy

 

Did you know about the search function on your very first post? 

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Message 5 of 40
Anonymous
Not applicable

Re: Anyone use walmart free FICO Score??

Yes, all forums have a search function.

 

I probably didn't use it though because I had no idea what I was even looking for Smiley Happy

 

I didn't mean to sound like a jerk, I just wanted to show the OP that there were a few other threads with the info he was looking for so he wouldn't have to wait for people to respond.

Message 6 of 40
MarineVietVet
Moderator Emeritus

Re: Anyone use walmart free FICO Score??


@ptrutkowski wrote:

Yes, all forums have a search function.

 

I probably didn't use it though because I had no idea what I was even looking for Smiley Happy

 

I didn't mean to sound like a jerk, I just wanted to show the OP that there were a few other threads with the info he was looking for so he wouldn't have to wait for people to respond.


As was the case with me and probably everyone else who comes here for the first time.

 

And I didn't mean to come off so snarky (is that a word?). I have been guilty more than I care to admit of forgetting how overwhelming all the information here can be and asking myself " Why do they not know that?"

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

 

 


 

Message 7 of 40
kjm79
Valued Contributor

Re: Anyone use walmart free FICO Score??


@elcocaino2010 wrote:

I just signed up for the free FICO score through walmart credit online website. Anyone know if it will update instantly like score watch if it changes or its more like it will only check once a month? Anyone know?? should i use this free fico score service to replace/cancel myFICO scorewatch.? I am a firm believer of u get what u pay for.... 



While we don't know what version of the TU FICO score the walmart one is, we DO know it's not the same TU FICO you get here.  With that being said, it's up to you if you want to cancel the myFICO scorewatch.  They are different TU FICO scores.  I personally, would want ALL the info I can get and wouldn't cancel, not just yet. 


CH 7 Filed 7/27/15 Discharged 11/16/15
Starting Score: EQ 620 TU 568 EX 593
Current Score (07/13/16): EQ 674 TU 649 EX 674 (FICO's 08)
Cap1 QS ($5350) (Combined QS and QS1) Discover It ($4100) MilStar ($8,600) Fingerhut ($800)
Off to the garden 05/01/16
Message 8 of 40
Anonymous
Not applicable

Re: Anyone use walmart free FICO Score??

And remember that myfico's ScoreWatch is for Equifax FICO scores.

WalMart provides TransUnion FICO scores.

 

I like to keep track of both, as mine have a decent amount of variation.

Message 9 of 40
john398
Senior Contributor

Re: Anyone use walmart free FICO Score??


@haulingthescoreup wrote:

Once a month.

 

The jury is out as to which FICO TU score it is (TU98, TU04, TU2008, TU NextGen.) I've lost track on the speculation, lol.

 


we can rule out nextgen the ranges dont match that model

Message 10 of 40
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