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,So the new Walmart FICO scores are up. Once again for the 6th month in a row mine is at 674. Over this time I have added 14 new CC's with 42K in additional CL. WTH?? Not 1 point up or down? No bureau is frozen, no fraud alerts, util is always between 1-2 %. This 'benefit' is totaly useless for me. I used to laugh the first couple of months when it stayed unchanged. Not so humorous any more.
My score went up 11 points... And all I did was knock my util down from 23% to 14%.
It isn't broke... LOL
I don't even try and understand how fico TU scores are calculated. Mine went up 3 points after using an HP on my CSP app. Doesn't make much sense to me
Try discontinueing the FICO tracking, discontinue paperless. Sign off. Sign back up the next day and see if that changes anything. I did this once after no changes for 3 months although other changes were showing on other reports and low and behold the fico refreshed and was diferent the next day when I enrolled.