Walmart Credit Card Users: FREE Fico Scores are available!

[CUFINANCE]

Mine is about 30 points lower on the Wal-Mart site.  Guess they are using the new scoring model.

[smallfry]

Received a score with a closed account. 756 which is 3 points lower than my PSECU EX score.  My 2 negatives were no open installments and short account history.  Nothing about high revolving balance at all. No idea if it is 98 or 04 but I would think its the old 98. Well it seems it might be a newer score since a poster on c boards who pulled from here and Walmart said the scores were not the same.

[ficofox]

I was ignoring this thread since I closed my Walmart account, but got curious; glad I did. I was able to sign in using my old account info and there was my FICO score! Whatdyaknow?

Found a blurb on the site that says the scores will be updated by the 10th of each month. Nice. Although, I don't care for whatever TU scoring they are using - it's about 40 points lower than the score I pulled from myFico.

[slarano]

When comparing my score on WalMart versus the one I have on myFICO, i only have a one point difference.

[TangMeister]

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@Barry wrote:

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@BaddebtKing wrote:

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@john398 wrote:

I wonder Barry or someone else at myFico has some insite, because all the links for this score come back to myfco.com

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I would LOVE to hear some insider info on this, anyone??? Barry??? Which FICO model is this?

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Looking into it and will let you all know as soon as I find out.  Stay tuned! 

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Would also LOVE to hear what FICO version they're using!  If it's a "bankcard enhanced" FICO 04/08, or even just FICO 2008, I would definitely be interested in getting this card.  Otherwise, if it's FICO 2004, it's a really sweet deal but maybe not for me.  Already get EX and EQ, and there's just not that much difference in them once you're in the 800s.  

[BaddebtKing]

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@Barry wrote:

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@BaddebtKing wrote:

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@john398 wrote:

I wonder Barry or someone else at myFico has some insite, because all the links for this score come back to myfco.com

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I would LOVE to hear some insider info on this, anyone??? Barry??? Which FICO model is this?

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Looking into it and will let you all know as soon as I find out.  Stay tuned! 

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Thank you Barry, I appreciate you! We're hanging on the edges of our chairs for this info....

[scottwagnon]

now i can share my fico score. awsome. thank you GE(walmart) Discover!

[MagicShot]

Yeah that apping isnt the hardest hit to your score. its when you get approved for all the apps. Its Drops your AAoA.  I took a 90 point drive due to AAoA drop. I recovered about 40 of the 90 points back in 6 months.

[Anonymous]

I just got some version of TU which is not TU98 from declined discover app. It's 747 compared to 734 TU98 from myfico. I guess the new version heavily favor utilization more than old version. My UTI is at 2% while most people here might have low uti (10-17%) but not close to 0% resulting in lower score in newer version.

[MagicShot]

What was the reason for the decline on the discover app?