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Wal Mart

Regular Contributor

Wal Mart

What cs should I be looking at before applying for a walmart card? Thank You
Message 1 of 6
Moderator Emeritus

Re: Wal Mart

You would want your TU score to be around 600, over 620 is optimal I believe.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 6
Regular Contributor

Re: Wal Mart

Seems that they usually pull TU...


Check out:

12/28 EX 745( FAKO)
12/28 DCU 742 FICO
12/28 WM TU 796 FICO
Walmart Discover 15k |CSP 14.4k | Penfed Cash Rewards 9k |DCU 7.5k | Chase Freedom 8k | FNFG 5k | Discover 6.4k| BOA 4k | BCE 3k

Message 3 of 6
Regular Contributor

Re: Wal Mart

Any idea as to where a TU score sets in relation to EQ and EXP? Thanks
Message 4 of 6
Valued Contributor

Re: Wal Mart

ktm214 wrote:
Any idea as to where a TU score sets in relation to EQ and EXP? Thanks

There's no set variance, each bureau's model treats different profiles uniquely.  TU tends to be my middle score.


I agree with Shogun, 600 minimum, 620 optimum.  680 or so I think could get the Discover version.

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
Message 5 of 6

Re: Wal Mart

When I applied I had a GE product (PP smart connect), they pulled TU which was around 726 at the time. My Util was 3% and only had 1 30 day late as a negative (other than an inquiry from a loan in may).


Beware of applying with a short history, high util and too many inquiries. I have seen 2 family members get declined for too many inquiries (3-5), short credit history (6-8 months) and high util (over 50%).


On the other hand, PP instant approved me for $300 even though I had a 30 day late the month prior that had already reported and only had another account with extremely high util (85%!). So that is another option for a card that grows with you and is lenient with approvals.

As of Feb: AAoA 1 year, 10 months
CK TU: 740; Wal-Mart TU FICO: 721
CS EX: 715
8 CCs, 15 total accounts.
Negs on report: 1 30 day late aged 3 years
5 inquiries
Message 6 of 6