Walmart Feb scores up

myjourney · ‎02-07-2014

No change for me

Good luck to all

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 · ‎02-08-2014

Mine took a nose dive

coldnmn · ‎02-08-2014

up 1 !

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17

BootStraps · ‎02-08-2014

Up 14 points to 717!

Starting Score: All Under 590 (8/2011)
Current Score: Ex: 676 Eq: 681 Tu: 683
Goal Score: Ex: 725 Eq: 725 Tu: 725
Take the myFICO Fitness Challenge
Back in the Garden 4/22/16

ways2go · ‎02-08-2014

So did mine , but I took a 23 point drop to 721. I don't understand why. The only new thing it says on the walmart fico, it says the balance on my installment loan it's too high. I don't understand that one. How can that affect you? I'm not late on any cards, they are always paid on time and the installment loan is my car loan. That is paid on time as well. The car loan was my first credit line in over 7 years and that was three years ago. It has a high interest rate, so the principle is slowly being paid down.

myjourney · ‎02-08-2014

@Anonymous wrote:
Mine took a nose dive

They'll bounce back

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?

myjourney · ‎02-08-2014

@ways2go wrote:
So did mine , but I took a 23 point drop to 721. I don't understand why. The only new thing it says on the walmart fico, it says the balance on my installment loan it's too high. I don't understand that one. How can that affect you? I'm not late on any cards, they are always paid on time and the installment loan is my car loan. That is paid on time as well. The car loan was my first credit line in over 7 years and that was three years ago. It has a high interest rate, so the principle is slowly being paid down.

How was UTL this month?

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?

fedxboy · ‎02-08-2014

Ohh, my highest Walmart Fico ever 761

(7/23/16) AMEX FICO EX 728, (6/20/16) Discover FICO TU 747, (7/24/16) Barclays FICO 750 (TC Lines $400+K) AAoA= 4.3 yrs

bobebob · ‎02-08-2014

3 pt drop from 816 to 813. Which is unexpected, because I thought it would go up a bit instead.

At last month: I had 2 cards reporting (.2K and 4.1K).

This month only 1 showed a balance and it dropped to 1.7K

No other changes to INQ, new accounts, ect. Balances on both Mortgage and car loan would have dropped. AAOA would have only gone up.

Not a big deal, but wondering what caused the decline.

bobebob || Nov: My FICO SW EQ(Upgraded Version) = 822 ||Sept: Walmart TU Fico=838Goal = FICO's>800 || In my wallet: CostcoAmEx(20k), DCU Visa Platinum (10k), BoA Visa Signature (17.1k), Walmart Discover (7.5k), AmEx Corporate (5k). All PIF every month.

ways2go · ‎02-08-2014

Myjourney, my utilization is the same 19 percent the 2 months, when my score was going up. My equifax score on equifax actually went up last month and still the same.