Credit Union Vs Wal-Mart FICO score TU

patrick00032001 · ‎09-06-2013

My local credit union recently switched from Equifax Beacon 5.0 to TransUnion Fico 08 Classic, I decided to ask for a lower APR on my platinum Visa card which was currently 10.95% down to 8.95%, I applied online was was instant approved for the rate reduction, since I knew they started pulling TransUnion again I was curious to see if my Wal-Mart TU Fico score matched since I have heard and saw so many other members talking about it, after a phone call, I can verify that its 100% correct! Both scores matched exactly at 773! Just a month ago I applied and was approved for a 5/3 Platinum Mastercard and my TU Classic 04 Fico was 730! As it stands now, my TU 98 score is 761.

Discover IT $32,500, Chase Freedom $1,000.00, Sears Mastercard $10,000, Wal-Mart DC $10,000.00, Kohl's $3,000.00, Chase Slate $52,000.00, 3 Rivers FCU Platinum Mastercard $25,000.00, IU Credit Union $25,000.00, Penfed LOC $25,000.00, Fort Financial CU $15,000.00, Home Depot $22,000.00, Lowe's $20,000.00, Penfed Power Cash Rewards $25,000.00, PenFed Travel Amex $25,000.00, Value City Furniture $10,000.00, PNC Points Visa Signature $15,000.00, GM Buy Power card $5,000.00, BOA 123 Visa Siggy, $62,000.00, Citi DC $15,000.00, GM Extended Family $3,000.00, Fire, Police, City, County, FCU $10,000.00, TU 791, Eq 765, Exp 772

myjourney · ‎09-07-2013

@patrick00032001 wrote:
My local credit union recently switched from Equifax Beacon 5.0 to TransUnion Fico 08 Classic, I decided to ask for a lower APR on my platinum Visa card which was currently 10.95% down to 8.95%, I applied online was was instant approved for the rate reduction, since I knew they started pulling TransUnion again I was curious to see if my Wal-Mart TU Fico score matched since I have heard and saw so many other members talking about it, after a phone call, I can verify that its 100% correct! Both scores matched exactly at 773! Just a month ago I applied and was approved for a 5/3 Platinum Mastercard and my TU Classic 04 Fico was 730! As it stands now, my TU 98 score is 761.

Congrats on the rate reduction

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?

djc1puno · ‎09-07-2013

Congrats!

GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
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Anonymous · ‎09-07-2013

Congrats on your rate reduction.

Point of clarification, WalMart uses TU08

bronxbomerss2 · ‎09-07-2013

at that score the credit union i work for (abri credit union, formarly argonne credit union affiliated with argonne national labs) you would be at 6.15% the lowest we offer. I have yet to see a cc with a lower annual rate.