Re: Walmart FICO UP!

Tristate · ‎07-11-2013

Just got my Walmart GE card today! Signed up for free FICO right away and my score is 641.

Little bit disappointed that it's 37 points lower then EQ. Oh well, hope it will only go up from here.

Uti is 1%.

AMEX BCE 10K; BARCLAYS REWARDS 10K; CITI ANYWHERE 8K; DISCOVER 7,5K;CAP ONE VENTURE 9K;MERRICK BANK 2,3K; MACY'S 1,2K; WALMART-SYNCRONY 450$.
BK7 DISCHARGED IN 2011. FICO 8 NOW IN LOW 700S.

jamesdwi · ‎07-11-2013

693 same for the last 3 mmonths despite the new card and a backdated AMEX, will wait and see what happens when my Disc IT shows up on the report.

Cards: Chase Southwest 20k & CSR 17k & CSP 10k & FNBO 30k Oregon Duck 5k, & AMEX BCP 32.5k & Amex Magnet 15k&amg; Hilton Surpass 7.5k & Delta Gold 12k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 20k, Paypal Extras MC 10k, Paypal Credit 7.25k CapOne Venture 15k, QS 2.5k, QS 750, Amazon 10k, Walmart 10k, Citi Simplicity 18k, Discover IT 23k and a nice stack of store cards.
Landmarkcu Personal Loan 10k

myjourney · ‎07-11-2013

@Tristate wrote:
Just got my Walmart GE card today! Signed up for free FICO right away and my score is 641.
Little bit disappointed that it's 37 points lower then EQ. Oh well, hope it will only go up from here.
Uti is 1%.

Keep UTL that low and it will surely go up

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?

Anonymous · ‎07-11-2013

Up to 743. Im happy. Last year I had no score, no credit and now just received a chase sapphire preferred. Thanks to all the solid advise I get from this forum

Dubious · ‎07-11-2013

@jamesdwi wrote:

693 same for the last 3 mmonths despite the new card and a backdated AMEX, will wait and see what happens when my Disc IT shows up on the report.

Haha. They must have canceled each other out!

john398 · ‎07-11-2013

6 pts up I will take it hope to have a lot of util off by this time next month

Tristate · ‎07-11-2013

@myjourney wrote:
@Tristate wrote:
Just got my Walmart GE card today! Signed up for free FICO right away and my score is 641.
Little bit disappointed that it's 37 points lower then EQ. Oh well, hope it will only go up from here.
Uti is 1%.
Keep UTL that low and it will surely go up

Thanks for an advice! I'm so used to live without credit that is not a problem now to keep UTI at 1-9%.

Only using CC to get rewards.Lesson learned I guess .

Good luck in the Garden, I'm planning to stay there till 12/13 too.

AMEX BCE 10K; BARCLAYS REWARDS 10K; CITI ANYWHERE 8K; DISCOVER 7,5K;CAP ONE VENTURE 9K;MERRICK BANK 2,3K; MACY'S 1,2K; WALMART-SYNCRONY 450$.
BK7 DISCHARGED IN 2011. FICO 8 NOW IN LOW 700S.

indiolatino61 · ‎07-11-2013

Up 2 points to 784. I can smell the 800 club coming!

Wahoo · ‎07-11-2013

Still at 810.

EX08: 832 (myFICO 10/07/14)
TU08: 806 (Walmart/MC 05/06/15)
TU08: 834 (myFICO 10/07/14)
EQ08: 830 (myFICO 10/07/14)
EQ04: 809 (Digital Credit Union 05/29/15)

petarap · ‎07-11-2013

No Change. Steady at 764.

____________________________________________________________________________________
Recent Scores: 758 Walmart TU 8/2/2015, Amex FICO EX 777 Aug 2015
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AMEX BCE $19,800, Chase Sapphire Preferred $18,000, Chase Freedom $17,000
Macy's Amex $6,000, Barclay's Arrival+ $5,000, Walmart Card $4,500, Capital One QS $2,500,
Capital One QS $2,250, BOA Travel Rewards Visa $2000, Sears Citi MC $1,000

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