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Walmart FICO for September.

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Jerry45
Valued Contributor

Walmart FICO for September.

I just noticed my Walmart FICO score for September has just updated. About a week early this month.

 

Moderator, I hope I put this in proper Forum.

Message 1 of 29
28 REPLIES 28
chalupaman
Super Contributor

Re: Walmart FICO for September.

You're right. I just checked mine and my TU score has gone up.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 2 of 29
Jerry45
Valued Contributor

Re: Walmart FICO for September.

Good to hear. Mine stayed the same for 3 months in a row. 

Message 3 of 29
chalupaman
Super Contributor

Re: Walmart FICO for September.

I see. My FICO dropped to like a 686 partially due to closing some accounts I didn't need anymore so it's great that it's getting back up to where it was before. I'll give it a few more months.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 4 of 29
mongstradamus
Super Contributor

Re: Walmart FICO for September.


@chalupaman wrote:

I see. My FICO dropped to like a 686 partially due to closing some accounts I didn't need anymore so it's great that it's getting back up to where it was before. I'll give it a few more months.


Interesting I just checked my score and it's not the same as my my fico tu , guess should take an look at what may be causing score differences 



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 5 of 29
jsucool76
Super Contributor

Re: Walmart FICO for September.

Went up to 729 =] 

Message 6 of 29
chalupaman
Super Contributor

Re: Walmart FICO for September.


@mongstradamus wrote:

@chalupaman wrote:

I see. My FICO dropped to like a 686 partially due to closing some accounts I didn't need anymore so it's great that it's getting back up to where it was before. I'll give it a few more months.


Interesting I just checked my score and it's not the same as my my fico tu , guess should take an look at what may be causing score differences 


I actually kinda did notice there were differences early on but I think recently, the MyFico TU score has been changed so that it matches much more closely with what FICOs Wal-Mart and Discover usually report.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 7 of 29
jsucool76
Super Contributor

Re: Walmart FICO for September.


@chalupaman wrote:

@mongstradamus wrote:

@chalupaman wrote:

I see. My FICO dropped to like a 686 partially due to closing some accounts I didn't need anymore so it's great that it's getting back up to where it was before. I'll give it a few more months.


Interesting I just checked my score and it's not the same as my my fico tu , guess should take an look at what may be causing score differences 


I actually kinda did notice there were differences early on but I think recently, the MyFico TU score has been changed so that it matches much more closely with what FICOs Wal-Mart and Discover usually report.


I believe myfico has started selling TU08 (they used to be TU98 if I recall). Walmart is also TU08

Message 8 of 29
BarryNTexas
Established Contributor

Re: Walmart FICO for September.

I noticed that too... it's been a long journey so far and I wish I could be as good on EQ/EX as well.

 

ficoChart_Aug2014.jpg

DC Prem 20K | DC Elite 20K | PenFed Visa 25K | NFCU Sig Visa 25K | NFCU Flagship 25K | AMEX Delta 25K & SPG 15K
RBFCU MC 20K | Barclay's RMC 11.5K & Ring 22K | Chase United 30K | Chase Hyatt 8K | Citi AA 15K | Citi DC 15K
Discover it® 27K | JCPenney MC 22K | Home Depot $9K
EX/796 EQ/794 TU/802 GOAL: Break 800
Message 9 of 29
Anonymous
Not applicable

Re: Walmart FICO for September.

Checked mine, too! Went up 4 points to 679! Says it will be available by the 10th of every month! Love that service with my Wal-Mart card!
Message 10 of 29
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