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Is Walmart FICO...

The last post in this topic was posted 2085 days ago. 

 

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Reliable?

 

I ask because i am SO confused!

 

CK / fako =719

 

Capone = 607 ...YIKES!! cause it was 647 last month and nothing changed; except utility / usage did go up ( was helping son with wedding expenses ) and now / today usage is at 36% according to them. Good news is that I , as of yesterday; paid $3300 of the 5500 total owed; so no doubt this has reduced my utility down more than 50% and will be reflected on their next update..

 

Walmart = 679

 

Anyway I know CK is useless; but I dunno about the others and now I don't know WHO to believe!!

 

Oh and one derogatory and NO lates; 7 inquiries..

 

Thanks

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Out of those three. Walmart is the only real credit score. Capital One and CK are both created with their own internal scoring system.

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Reliable?

 

I ask because i am SO confused!

 

CK / fako =719

 

Capone = 607 ...YIKES!! cause it was 647 last month and nothing changed; except utility / usage did go up ( was helping son with wedding expenses ) and now / today usage is at 36% according to them. Good news is that I , as of yesterday; paid $3300 of the 5500 total owed; so no doubt this has reduced my utility down more than 50% and will be reflected on their next update..

 

Walmart = 679

 

Anyway I know CK is useless; but I dunno about the others and now I don't know WHO to believe!!

 

Oh and one derogatory and NO lates; 7 inquiries..

 

Thanks

 

The only score that you listed that is a real FICO is the TU 08 from Walmart.

 

Ignore those others. They're about as useful as a horoscope.

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Reliable?

 

I ask because i am SO confused!

 

CK / fako =719

 

Capone = 607 ...YIKES!! cause it was 647 last month and nothing changed; except utility / usage did go up ( was helping son with wedding expenses ) and now / today usage is at 36% according to them. Good news is that I , as of yesterday; paid $3300 of the 5500 total owed; so no doubt this has reduced my utility down more than 50% and will be reflected on their next update..

 

Walmart = 679

 

Anyway I know CK is useless; but I dunno about the others and now I don't know WHO to believe!!

 

Oh and one derogatory and NO lates; 7 inquiries..

 

Thanks

 

The only score that you listed that is a real FICO is the TU 08 from Walmart.

 

Ignore those others. They're about as useful as a horoscope.

 

+2000

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Reliable?

 

I ask because i am SO confused!

 

CK / fako =719

 

Capone = 607 ...YIKES!! cause it was 647 last month and nothing changed; except utility / usage did go up ( was helping son with wedding expenses ) and now / today usage is at 36% according to them. Good news is that I , as of yesterday; paid $3300 of the 5500 total owed; so no doubt this has reduced my utility down more than 50% and will be reflected on their next update..

 

Walmart = 679

 

Anyway I know CK is useless; but I dunno about the others and now I don't know WHO to believe!!

 

Oh and one derogatory and NO lates; 7 inquiries..

 

Thanks

 

The only score that you listed that is a real FICO is the TU 08 from Walmart.

 

Ignore those others. They're about as useful as a horoscope.

 

 

LOL :rofl:

Edited by JohnWilkers

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THANKS to those who responded!!

 

I feel much better now ...And I must be doing something right, cause I just logged on to Wells-fargo and to my surprise they DOUBLED the limit on my CC. I was at 1500 and now $3,000!! Was not expecting that at all :grin:

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Reliable?

 

I ask because i am SO confused!

 

CK / fako =719

 

Capone = 607 ...YIKES!! cause it was 647 last month and nothing changed; except utility / usage did go up ( was helping son with wedding expenses ) and now / today usage is at 36% according to them. Good news is that I , as of yesterday; paid $3300 of the 5500 total owed; so no doubt this has reduced my utility down more than 50% and will be reflected on their next update..

 

Walmart Trans Union FICO 08 = 679

 

Anyway I know CK is useless; but I dunno about the others and now I don't know WHO to believe!!

 

Oh and one derogatory and NO lates; 7 inquiries..

 

Thanks

 

It's not a perfect analogy, but if you read three reviews of the same movie, and only respect the opinion of one of the reviewers, which review matters?

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