Walmart card worth the free FICO score?

[MarineVietVet]

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@ptrutkowski wrote:

So it's been verified that the Walmart score is a nextgen score and not really worthwhile?

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Nothing official has been announced about the particulars of this TU score.

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".

[kjm79]

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@MarineVietVet wrote:

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@ptrutkowski wrote:

So it's been verified that the Walmart score is a nextgen score and not really worthwhile?

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Nothing official has been announced about the particulars of this TU score.

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I think the post earlier this week was in regards to an approval/denial of a walmart credit card and the score provided based on that approval/denial.  The score walmart uses to approve their cards does not necessarily mean it's the same score that is given out for free on the website.

[wajj]

I applied for the Wamart card, received it, and then got a letter from them explaining that they could not give me the "best interest rate".  The score on that letter was a NextGen score (I think, it was based on a 150 to 950 scale).

Once I received the card, I set up my account online and received my TU FICO score (and it is called a FICO score, complete with trademark, based on an 850 scale according to the bar graph).  It differs slightly from the score I purchased here a month ago but there is no reason to think there is any significant difference.  I really hope it is a TU04 score since the TU98 score you can purchase here is not used by financial institution I have a relationship with.

So, the score in the letter is NextGen.  The free score on the website is FICO.

[john398]

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@dp321 wrote:

Not until you learn what version of the score it is.

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all indications seem to be its a fico 04 score

Oh mine updated today

[Anonymous]

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@wajj wrote:

I applied for the Wamart card, received it, and then got a letter from them explaining that they could not give me the "best interest rate".  The score on that letter was a NextGen score (I think, it was based on a 150 to 950 scale).

Once I received the card, I set up my account online and received my TU FICO score (and it is called a FICO score, complete with trademark, based on an 850 scale according to the bar graph).  It differs slightly from the score I purchased here a month ago but there is no reason to think there is any significant difference.  I really hope it is a TU04 score since the TU98 score you can purchase here is not used by financial institution I have a relationship with.

So, the score in the letter is NextGen.  The free score on the website is FICO.

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Good to know.  I think it's odd that they use two different scores.  I wonder if they use your NextGen score when you request a CLI too.

[Anonymous]

This FREE score from Walmart is very apealing, my hands are itching to pull the trigger and apply

[Booner72]

Has anyone tried calling walmart's customer service credit card people to ask what score model they use? 

[Anonymous]

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@Anonymous wrote:

This FREE score from Walmart is very apealing, my hands are itching to pull the trigger and apply

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I know, ME TOO! 

[mark925]

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@Booner72 wrote:

Has anyone tried calling walmart's customer service credit card people to ask what score model they use? 

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That would be the absolute last thing I'd ever try since they wouldn't even know a hard pull from a soft pull.

[john398]

I think Barry even tried to contact walmart and got no answer