@pizza1 wrote:
So let me make sure I'm understanding this correctly. When I received my Walmart score, I logged in and it said.. As of jan 6, 2015 your fico score is 650. Same as last month. Even though its an actual score, that score could have been from an older report that was pulled on right? Do the scores reflect the last time Walmart sifted me in order to get the score?
Barclays only updates every two months and last was in November and they put me at 657. Two months prior to that in Septmeber they had me at 650. Which is what Walmart has me last month and this month.
I'm not understanding the difference at all here.. I'm not u sweats ding apparently why is the Walmart score is "current" it's not matching with Barclays ugh!
Walmart will soft your report every month to give you your Fico it is not from an older soft pull, I have tracked this for over a year now and it is always the same, a soft every month show up same thing with Discover as they also offer the monthly Fico. Barclays is an outlier their score can be outdated by as much as 10 weeks they DO NOT update it monthly.
@gdale6 wrote:
@pizza1 wrote:
So let me make sure I'm understanding this correctly. When I received my Walmart score, I logged in and it said.. As of jan 6, 2015 your fico score is 650. Same as last month. Even though its an actual score, that score could have been from an older report that was pulled on right? Do the scores reflect the last time Walmart sifted me in order to get the score?
Barclays only updates every two months and last was in November and they put me at 657. Two months prior to that in Septmeber they had me at 650. Which is what Walmart has me last month and this month.
I'm not understanding the difference at all here.. I'm not u sweats ding apparently why is the Walmart score is "current" it's not matching with Barclays ugh!Walmart will soft your report every month to give you your Fico it is not from an older soft pull, I have tracked this for over a year now and it is always the same, a soft every month show up same thing with Discover as they also offer the monthly Fico. Barclays is an outlier their score can be outdated by as much as 10 weeks they DO NOT update it monthly.
No disrespect directed at you Gdale but I wanted to re-iterate what I was saying earlier. You're right, it's a new fresh pull every month but I don't believe it's pulled on the day you get the update. It may have been pulled that month, at 12:01 a.m. on the first day of the month or something but by the time you get the update it's an old report that was used for all intents and purposes. The only way to see your score as it is at that moment is to refresh it yourself as was proven to me when I went to bed and it was 674 on Walmart from a new pull I did and when I woke up the Walmart "update" said 669 which is what it was around the first of January. Then when I pulled a new one it was back at 674. But yeah, it's a new monthly score and probably still what your score is by the time you see it but it's not "real time"
No, not real time. The soft pull was on the 6th (as displayed) but it wasn't posted on our accounts until the 9th? So there is a lag from SP to consumers so there may be a score difference by the time you see it. But remains that the score was your scores when it was pulled.
@Nurse that could be because you didn't wait the required 4 months. Your CLI was reverted back to a CL recon in which case they feel that they got it right the first time.