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What is up with Walmart July FICO?

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coldnmn
Mega Contributor

Re: What is up with Walmart July FICO?


@09Lexie wrote:

@Hcontreras wrote:

I just opted out then opted back in and it updated my score immediately. Graph is gone but I don't care.


This little trick, if done repeatedly, can very likely cause a 'run' on free scores and thus bring an end to the benefit.  Who knows, Synchrony could start giving the updates like Barclay....when they get ready.  Why not wait for them so we all do not lose out on a monthly score?


+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
Message 11 of 19
Anonymous
Not applicable

Re: What is up with Walmart July FICO?

It's up and I lost 3 points, not surprising with higher UTL, new INQS and a new account.

Message 12 of 19
1_2
Contributor

Re: What is up with Walmart July FICO?

Mine wasnt up last evening but its up this morning.








Closed on home Jan 30, 2013. Yay!

Capital One (secured) $1000.00 | Capital One (former Orchard Bank) $500.00 | First Premier $500.00 | Credit One Bank $750.00 | Wal-Mart $3550.00 | Citi Thank You Preferred $6,800.00 | Discover It $4,800.00 | AMEX BCE $4,500.00
Message 13 of 19
mongstradamus
Super Contributor

Re: What is up with Walmart July FICO?


@1_2 wrote:

Mine wasnt up last evening but its up this morning.


It updated midnight last night :-)



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 14 of 19
JMMD
Frequent Contributor

Re: What is up with Walmart July FICO?

Both my husband's and mine dropped 5 points. I am not surpised as our UTI is high and we purchased a new car last month.

Message 15 of 19
Revelate
Moderator Emeritus

Re: What is up with Walmart July FICO?

Up 3 points from cards with balances twiddling. 708 -> 711.  Probably pretty flat between those two scores for the next year unless I do something awkward with my balances and not enough time to really play FICO reindeer games at the moment unfortunately.

 




        
Message 16 of 19
tattooedhusker
Established Contributor

Re: What is up with Walmart July FICO?

Up to 720. The garden is strong in this one

NFCU CashRewards $13.5k | AMEX BCE $15k | Lowes $17k | Sportsmanss guide $7.6k | Chase Freedom $1k | Discover IT $4.4k |
Walmart $8k | Gordman's $2950
Message 17 of 19
SunriseEarth
Moderator Emeritus

Re: What is up with Walmart July FICO?

Steady at 668...same as last month

 

ficoChart.jpg



Start: 619 (TU08, 9/2013) | Current: 804 (TU08, 10/07/25)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Disney Premier VS $52000 | Discover IT $46000 | NFCU cashRewards Plus WMC $33000 |Venmo VS $30000 | Cash+ VS $30000 | Macy's AMEX $25000 | Ralphs Rewards WEMC $25000 | Synchrony Premier $24,200 | Citi Custom Cash MC $22600 | GS Apple Card WEMC $22000 | WF Attune WEMC $22000 | Freedom Flex WEMC $18000 | Amazon VS $15000 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Rakuten AMEX $12500 | Sephora VS $11900 | Belk MC $10000 | Wayfair MC $9500 |~~
Message 18 of 19
New_Beginning
Frequent Contributor

Re: What is up with Walmart July FICO?


@coldnmn wrote:

@09Lexie wrote:

@Hcontreras wrote:

I just opted out then opted back in and it updated my score immediately. Graph is gone but I don't care.


This little trick, if done repeatedly, can very likely cause a 'run' on free scores and thus bring an end to the benefit.  Who knows, Synchrony could start giving the updates like Barclay....when they get ready.  Why not wait for them so we all do not lose out on a monthly score?


+1


I dont know what +1 means...but I agree with Lexie Smiley Wink


Starting Score: EQ 615 (MyFICO) TU 588 (Walmart) EX 576 (EX Website) Started this journey 06/26/2014
Current Score: EQ 710 (MyFICO) TU 673 (Walmart) TU 726 (MyFICO) EX 706 (MyFICO) As of Sep 2015
Goal Score: 750 or higher across the board

Take the myFICO Fitness Challenge
Message 19 of 19
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