FREE FICO SCORE

[Beebopjkm]

My Walmart FICO was 684.... CK and MPM both list 686 FAKO....

[BW1216]

My Walmart FICO was 684.... CK and MPM both list 686 FAKO....

 

FICO and FAKO are different, hence the different scores.

 

CK and MPM use TU TransRisk.

[CIO]

My Walmart FICO was 684.... CK and MPM both list 686 FAKO....

 

Wow that's a tight FICO and Transrisk score!

 

FYI: CK and MPM are both the exact same Transrisk score.

 

ETA: What BW said.

Edited July 20, 2011 by CIO

[BDK]

I just called and the automated system said I was approved for the store card, but how do I know limit?

Congrats on the approval foe!

Thanks Bob.

 

I just called back and got a CSR this time and I was approved for a Wal-Mart Discover card with $1,800 limit!

 

Sick! Congrats on the approval AND getting the Discover!!

[BobWang]

I just called and the automated system said I was approved for the store card, but how do I know limit?

Congrats on the approval foe!

Thanks Bob.

 

I just called back and got a CSR this time and I was approved for a Wal-Mart Discover card with $1,800 limit!

 

Sick! Congrats on the approval AND getting the Discover!!

Dang, Dr. Tang and I are going to be the only Bump Influences WITHOUT this card.

[CIO]

I just called and the automated system said I was approved for the store card, but how do I know limit?

Congrats on the approval foe!

Thanks Bob.

 

I just called back and got a CSR this time and I was approved for a Wal-Mart Discover card with $1,800 limit!

 

Sick! Congrats on the approval AND getting the Discover!!

Dang, Dr. Tang and I are going to be the only Bump Influences WITHOUT this card.

 

It's amazing, really, since we're two of the biggest FICO addicts on CB.

[VK]

I just called and the automated system said I was approved for the store card, but how do I know limit?

Congrats on the approval foe!

Thanks Bob.

 

I just called back and got a CSR this time and I was approved for a Wal-Mart Discover card with $1,800 limit!

 

Sick! Congrats on the approval AND getting the Discover!!

Dang, Dr. Tang and I are going to be the only Bump Influences WITHOUT this card.

 

if it's not too late, I would like to continue serving as anti-bad influence with regards to getting a Walmart card ...and urge people to really consider whether it's worth it for them for a TU fico.

[BW1216]

7-10 days... Grrr...

 

My TU is by far the cleanest report and SmartCredit just sent me a notice saying a new app had been taken, so they must have pulled TU.

Just call the number on the previous page and you'll find out what you were approved for BW.

 

$400 and the store card... oh wellz. Might have to make a trip Might have to order online once every couple of months to get some auto CLI luv.

 

BTW for the masses, I asked about product changes to the Discover version and the rep said that I would need to reapply (as early as August 19th, LOL)

Edited July 20, 2011 by BW1216

[BW1216]

I just called and the automated system said I was approved for the store card, but how do I know limit?

Congrats on the approval foe!

Thanks Bob.

 

I just called back and got a CSR this time and I was approved for a Wal-Mart Discover card with $1,800 limit!

 

Sick! Congrats on the approval AND getting the Discover!!

Dang, Dr. Tang and I are going to be the only Bump Influences WITHOUT this card.

 

It's looking like it now, isn't it.

[BDK]

repairer, foe, are you guys really getting this for the FICO score?

 

seriously?!

 

Yeah.

 

but it's an additional tradeline...lowers your AAofA, new inquiry....I mean, it definitely doesn't worth it for me....just curious how you justify that...

My AAOA just went from 6.4 to 6.1 (6.2 in 10 days) and I can bump that 1 inquiry if I really care about it. Benefits: lowers my UTIL and I now will know every FICO score without feeding the monster. Sounds pretty painless and worth it to me.

I'll be going for the Discover too.

 

I'm too chicken to go for the Discover. I'm on wafer-thin ice right now ....

 

 

 

 

 

 

 

But my wife's not skerred .. APPROVED for the Discover! But she said the rep would NOT tell her a limit ... she'll find out in the mail.

 

BUZZ KILL

[BobWang]

7-10 days... Grrr...

 

My TU is by far the cleanest report and SmartCredit just sent me a notice saying a new app had been taken, so they must have pulled TU.

Just call the number on the previous page and you'll find out what you were approved for BW.

 

$400 and the store card... oh wellz. Might have to make a trip once every couple of months to get some auto CLI luv.

 

BTW for the masses, I asked about product changes to the Discover version and the rep said that I would need to reapply (as early as August 19th, LOL)

Congrats on the store card, BI VI.

[BobWang]

I just called and the automated system said I was approved for the store card, but how do I know limit?

Congrats on the approval foe!

Thanks Bob.

 

I just called back and got a CSR this time and I was approved for a Wal-Mart Discover card with $1,800 limit!

 

Sick! Congrats on the approval AND getting the Discover!!

Dang, Dr. Tang and I are going to be the only Bump Influences WITHOUT this card.

 

It's looking like it now, isn't it.

Don't rub it in.

[markca]

I just called and the automated system said I was approved for the store card, but how do I know limit?

Congrats on the approval foe!

Thanks Bob.

 

I just called back and got a CSR this time and I was approved for a Wal-Mart Discover card with $1,800 limit!

 

Sick! Congrats on the approval AND getting the Discover!!

Dang, Dr. Tang and I are going to be the only Bump Influences WITHOUT this card.

 

ahem... I haven't pulled the trigger.... yet.

 

Still not sure if I want to.

Edited July 20, 2011 by markca

[BobWang]

repairer, foe, are you guys really getting this for the FICO score?

 

seriously?!

 

Yeah.

 

but it's an additional tradeline...lowers your AAofA, new inquiry....I mean, it definitely doesn't worth it for me....just curious how you justify that...

My AAOA just went from 6.4 to 6.1 (6.2 in 10 days) and I can bump that 1 inquiry if I really care about it. Benefits: lowers my UTIL and I now will know every FICO score without feeding the monster. Sounds pretty painless and worth it to me.

I'll be going for the Discover too.

 

I'm too chicken to go for the Discover. I'm on wafer-thin ice right now ....

 

 

 

 

 

 

 

But my wife's not skerred .. APPROVED for the Discover! But she said the rep would NOT tell her a limit ... she'll find out in the mail.

 

BUZZ KILL

Congrats to wifey!

[BobWang]

I just called and the automated system said I was approved for the store card, but how do I know limit?

Congrats on the approval foe!

Thanks Bob.

 

I just called back and got a CSR this time and I was approved for a Wal-Mart Discover card with $1,800 limit!

 

Sick! Congrats on the approval AND getting the Discover!!

Dang, Dr. Tang and I are going to be the only Bump Influences WITHOUT this card.

 

ahem... I haven't pulled the trigger.... yet.

 

Still not sure if I want to. :\

Yeah, we old-timers are more cautious.

[BW1216]

7-10 days... Grrr...

 

My TU is by far the cleanest report and SmartCredit just sent me a notice saying a new app had been taken, so they must have pulled TU.

Just call the number on the previous page and you'll find out what you were approved for BW.

 

$400 and the store card... oh wellz. Might have to make a trip once every couple of months to get some auto CLI luv.

 

BTW for the masses, I asked about product changes to the Discover version and the rep said that I would need to reapply (as early as August 19th, LOL)

Congrats on the store card, BI VI.

 

I'd be more disappointed, but the free FICO is worth the price of having to knock another TU inquiry off. That and the (hopeful) auto CLIs.

[markca]

7-10 days... Grrr...

 

My TU is by far the cleanest report and SmartCredit just sent me a notice saying a new app had been taken, so they must have pulled TU.

Just call the number on the previous page and you'll find out what you were approved for BW.

 

$400 and the store card... oh wellz. Might have to make a trip once every couple of months to get some auto CLI luv.

 

BTW for the masses, I asked about product changes to the Discover version and the rep said that I would need to reapply (as early as August 19th, LOL)

Congrats on the store card, BI VI.

 

I'd be more disappointed, but the free FICO is worth the price of having to knock another TU inquiry off. That and the (hopeful) auto CLIs.

 

Is it pulling TU for everyone so far?

[BW1216]

7-10 days... Grrr...

 

My TU is by far the cleanest report and SmartCredit just sent me a notice saying a new app had been taken, so they must have pulled TU.

Just call the number on the previous page and you'll find out what you were approved for BW.

 

$400 and the store card... oh wellz. Might have to make a trip once every couple of months to get some auto CLI luv.

 

BTW for the masses, I asked about product changes to the Discover version and the rep said that I would need to reapply (as early as August 19th, LOL)

Congrats on the store card, BI VI.

 

I'd be more disappointed, but the free FICO is worth the price of having to knock another TU inquiry off. That and the (hopeful) auto CLIs.

 

Is it pulling TU for everyone so far?

 

They pulled EQ on foe I think. I have EX and EQ frozen right now, FWIW.

[BDK]

TU for wifey.

[Repairerer]

EQ for me. I'm on the west coast and GEMB always seem to use EQ here.

[foeplay]

repairer, foe, are you guys really getting this for the FICO score?

 

seriously?!

 

Yeah.

 

but it's an additional tradeline...lowers your AAofA, new inquiry....I mean, it definitely doesn't worth it for me....just curious how you justify that...

My AAOA just went from 6.4 to 6.1 (6.2 in 10 days) and I can bump that 1 inquiry if I really care about it. Benefits: lowers my UTIL and I now will know every FICO score without feeding the monster. Sounds pretty painless and worth it to me.

I'll be going for the Discover too.

 

I'm too chicken to go for the Discover. I'm on wafer-thin ice right now ....

 

 

 

 

 

 

 

But my wife's not skerred .. APPROVED for the Discover! But she said the rep would NOT tell her a limit ... she'll find out in the mail.

 

BUZZ KILL

There is only one application, they decide which card they offer you which really sucks because I think you should have the right to choose what you want and decline something you don't. They do that crap with Chevron too, the Visa card is cool because you get 10 cents off forever and the store card only for 60 days, then its a worthless card imo. Again, you don't get to choose what you app for...

 

Anyway, have your girl call back and talk to a different CSR. They don't know if you've called yet or not unless you get the same csr and they recognize you.

[Conflictxnj]

Guys, I still have a few baddies to remove. Please stop applying or they're gonna run out of money on me.

[BW1216]

Guys, I still have a few baddies to remove. Please stop applying or they're gonna run out of money on me.

 

This actually poses a good question. I wonder if the person doing analytics at Walmart Credit Services is going to notice a bump in applications. They posted about this over at SlickDeal as well (thinking it was someone from CB).

[foeplay]

I just hope its not just a move to lure new applicants and then they bend us over and change FICO to the Vantage score, a la Alliant...

[Mr. Media]

Guys, I still have a few baddies to remove. Please stop applying or they're gonna run out of money on me.

 

This actually poses a good question. I wonder if the person doing analytics at Walmart Credit Services is going to notice a bump in applications. They posted about this over at SlickDeal as well (thinking it was someone from CB).

 

Ha... I've thought this same thing a few times... like when someone starts talking about a credit union and then 20 people all rush off and apply the same week. I wonder if they trip on the spikes, or just roll with it. GEMB and Walmart are so big, its probably nothing to them, but still kinda funny.