Re: WALMART CLI has its own scoring model

nuggets321 · ‎01-30-2012

So I received my CLI confirmation letter today. While they DO provide you with a free TU FICO , per their letter , "we also used a credit score developed by us in making our decision. The credit score is not a FICO score and may differ from the score you may obtain from a consumer reporting agency. Scores range from a low of 507 to a high of 741."

Weird.. thought for sure they were using FICO since they give it to you monthly ?? Anybody know of a particular model that runs 507-741 ????? I could really care less as they bumped me from 800 to 1400.00 I just find it odd.......

TU-721 (MortgagePull) EQ- 697(MortgagePull ) EXP 693(MortgagePull) FWEB 24,2015
My Wallet : Dicover More 35,500 CL -Amex Zync NPSL -WellsFargoRewards4800 - -CapOne 3000CL -GEMBWalMart 5000CL - Zales 4000CL-Kays 2900--Macys 5000CL /SSFCU 5000CL / CitiBank Diamond Pref 15000CL - CHASE Freedom 13500CL -Lowes 10,000 CL - BBuyStoreCard 10,000CL Sears Store Card (Citi) 3000 - Firestone CFNB 1400 Toyota Financial $35,000 Auto -2200DiscountTire(GECRB) Citi TY Preferred 8100CL - Chase Slate$4000-BofA15000-ToyotaRewardsVisa$10,700 -BofA$8500 AMEX BCE 9,500

JusdoNit · ‎01-30-2012

Nice bump.

Starting Score: 722
Current Score: Now 687 what the hockey sticks...from a 784 (Aug 12 EX 751 EQ Fico)
Goal Score: 800
If your outGo is more than your INcome than your UpKeep will become your downFALL.

Take the FICO Fitness Challenge

seattletravels · ‎01-30-2012

The TU score they give you is Fico but they use their own internal model to determine CLI etc.

BECU Visa : $40,000 Date Opened: 02/2020

Delta Reserve : $20,000 Date Opened: 01/2020

Amex Blue Cash Preferred : $19,900 Date Opened : 07/2013

Chase Freedom Unlimited : $19,300 Date Opened : 02/2020

Citi Double Cash : $19,000 Date Opened : 06/2015

B of A Cash Rewards : $16,000 Date Opened : 12/2013

Barclaycard Ring : $10,000 Date Opened : 06/2017

Citi Simplicity : $9,000 Date Opened : 10/2011

Commerce Special Connections : $8,000 Date Opened 04/2015

Discover It : $7,100 Date Opened : 04/2013

Marriott Bonvoy Boundless : $5,500 Date Opened 07/2013

Delta Platinum : $2,000 Date Opened : 08/2018

Last App: BECU 02-26-2020
Pronouns: He/Him/His

Trigga · ‎01-30-2012

@seattletravels wrote:
The TU score they give you is Fico but they use their own internal model to determine CLI etc.

I belive that is what the OP said

WalMart 5k , Amazon 3.5k,Chase Freedom 1.5k , Citi TY 2k, Discover IT1.1k, HomeDepot 2.8k , Chase Slate1.5k , BofA cash rewards 1.5k, Lowes 12k , Kay Jewelers 3k , Gardening until 2015!

Trigga · ‎01-30-2012

Still waiting for my card to come in the mail myself , wish it would hurry up so i can get to the 4th stament and try for a CLI lol.

WalMart 5k , Amazon 3.5k,Chase Freedom 1.5k , Citi TY 2k, Discover IT1.1k, HomeDepot 2.8k , Chase Slate1.5k , BofA cash rewards 1.5k, Lowes 12k , Kay Jewelers 3k , Gardening until 2015!

CS800 · ‎01-30-2012

@nuggets321 wrote:
So I received my CLI confirmation letter today. While they DO provide you with a free TU FICO , per their letter , "we also used a credit score developed by us in making our decision. The credit score is not a FICO score and may differ from the score you may obtain from a consumer reporting agency. Scores range from a low of 507 to a high of 741."
Weird.. thought for sure they were using FICO since they give it to you monthly ?? Anybody know of a particular model that runs 507-741 ????? I could really care less as they bumped me from 800 to 1400.00 I just find it odd.......

Nice bump !!

Lowes does the same thing for CLI, they sent me a letter with the same score range.

bichonmom · ‎01-30-2012

Interesting. I wonder if they factor in history w/other GE accounts with their internal scoring model.

EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

nuggets321 · ‎01-30-2012

Good question..... I am considering shooting for Lowes in June...I wish I knew....

TU-721 (MortgagePull) EQ- 697(MortgagePull ) EXP 693(MortgagePull) FWEB 24,2015
My Wallet : Dicover More 35,500 CL -Amex Zync NPSL -WellsFargoRewards4800 - -CapOne 3000CL -GEMBWalMart 5000CL - Zales 4000CL-Kays 2900--Macys 5000CL /SSFCU 5000CL / CitiBank Diamond Pref 15000CL - CHASE Freedom 13500CL -Lowes 10,000 CL - BBuyStoreCard 10,000CL Sears Store Card (Citi) 3000 - Firestone CFNB 1400 Toyota Financial $35,000 Auto -2200DiscountTire(GECRB) Citi TY Preferred 8100CL - Chase Slate$4000-BofA15000-ToyotaRewardsVisa$10,700 -BofA$8500 AMEX BCE 9,500

seattletravels · ‎01-30-2012

@Trigga wrote:
@seattletravels wrote:
The TU score they give you is Fico but they use their own internal model to determine CLI etc.
I belive that is what the OP said

Guess I should have read the whole post.

Last App: BECU 02-26-2020
Pronouns: He/Him/His

Trigga · ‎01-30-2012

@seattletravels wrote:

Guess I should have read the whole post.

Lol np just thought id point it out , wish my card would get here already even though i just got the instant approval saturday night . Odd i didnt get a email or anything about the card .

WalMart 5k , Amazon 3.5k,Chase Freedom 1.5k , Citi TY 2k, Discover IT1.1k, HomeDepot 2.8k , Chase Slate1.5k , BofA cash rewards 1.5k, Lowes 12k , Kay Jewelers 3k , Gardening until 2015!

WALMART CLI has its own scoring model

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WALMART CLI has its own scoring model