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Credit Bureau Info:

Experian: 800-493-1058 With A Report Number

Experian: 714-830-7000 (Without A Report Number) Call and Press 0. You will get connected to the switchboard operator. Tell them you just called in and entered your report number and the automated system disconnected you. Ask them if they can get a human on the line for disputes. That's the only way you'll be able to get through to a live person at Experian without a Report Number.

Equifax: 800-846-5279

TransUnion: 800-916-8800


Comparison between FAKO from Credit karma and FICO from Barclays and Citi.


Cards that give you free monthly FICO's


AMEX personal cards = EX 08
Chase Slate = EX (either 08 or Bankcard enhanced)
PSECU = EX 04

Citi AA = EQ bankcard enhanced
DCU= EQ 04
PenFed = EQ NextGen

Barclays = TU 08
Discover it = TU 08
Walmart (store or MC) = TU 08

Author Topic: credit score  (Read 199491 times)

Offline corny

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credit score
« on: June 05, 2008, 07:31:50 PM »
what is the cheapest way to check my credit score?

Offline Eli

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Re: credit score
« Reply #1 on: June 05, 2008, 07:35:36 PM »
freecreditreport.com will give you a free score but users have been reporting that it's not too accurate.
-Eli

Offline corny

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Re: credit score
« Reply #2 on: June 05, 2008, 09:27:09 PM »
and is that site a safe place to put your social [is it a well known site] ?

Offline E

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Re: credit score
« Reply #3 on: June 05, 2008, 10:29:39 PM »
if you have amex i just  did a thirty day trial of https://www124.americanexpress.com/cards/loyalty.do?page=creditsecure i gives you scores and reports remember to cancel

Offline Dan

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Re: credit score
« Reply #4 on: June 06, 2008, 12:26:12 AM »
Citi identity monitor gives you all 3 fico scores for free.
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline E

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Re: credit score
« Reply #5 on: June 06, 2008, 01:18:35 AM »
Quote
3 fico scores
credit secure gives you....
Quote
    *  Unlimited access to your personal 3 Bureau Credit Report and PLUS Credit ScoresSM from Experian, Equifax, and TransUnion after the review period
    * Daily monitoring of all three national credit reports - receive an e-mail alert when critical changes are detected
    * Identity Theft coverage policy for up to $5,000 per occurrence provided by Virginia Surety, Inc.
    * Toll-free access to customer care and fraud resolution representatives
    * Card and document  registration service to assist you in the event they become lost or stolen
    * Experian PLUS Score¬ģ Trending - track your score each month
    * Receive an introductory 30 day review period - after that only $11.99 each month billed to your American Express card account until your enrollment is cancelled
    * Access to valuable financial information and resources
and its affiliated with amex so you know their trustworthy

Offline Yitzter

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Re: credit score
« Reply #6 on: June 06, 2008, 03:17:11 AM »
what is the cheapest way to check my credit score?
Corny!!! I haven't spoken to you in such a long time. What you up to?

Dude, use Citi Identity Monitor. You usually get some sort of coupon and it's free for a month. I already got 150$ from them.
"There are three types of people in this world: those who make things happen, those who watch things

Offline corny

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Re: credit score
« Reply #7 on: June 06, 2008, 09:24:18 AM »
thanks guys!
hey yits
i already did city moniter this year would i be able to get the free month again?

Online coralsnake

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Re: credit score
« Reply #8 on: June 06, 2008, 01:25:41 PM »
what is the cheapest way to check my credit score?
Im not sure about Citi Monitor or the Amex thing, but I can personally attest to the fact that FreeCreditRepot.com does very often give inaccurate credit scores (I have never actually seen them give the correct ones- theres are usually a bit higher that your actual scores).

For example- A person once faxed me a copy of the credit report that she ran the same day from FreeCreditReport.com on which she had a mid-score of 680 (I am in the mortgage business). I reran her credit myself and the score was a 580. Now that is a HUGE difference.

I have seen this with other consumer services as well including TrueCredit.com (not so true apparently).

The ONLY service that I have seen that will give you your Real score is MyFico.com. That is why I advertise it on my website.

I have no idea what they charge; I think you may have to sign up for some monitoring thing as well, but the first month is free. Either way, the scores they give you will be the exact same scores as if run by a bank such as myself.
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Online AsherO

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Re: credit score
« Reply #9 on: June 06, 2008, 01:40:21 PM »
I have a WaMu (formerly Providian) card that gives me my monthly score, I'm not sure how accurate it is, it fluctuates quite a bit.
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Offline corny

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Re: credit score
« Reply #10 on: June 06, 2008, 03:43:42 PM »
i just checked freecreditreport.com and it gives me the exact score i had months ago and in the report my credit limit on one of my cards is not up to date

Offline Dan

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Re: credit score
« Reply #11 on: June 06, 2008, 03:43:55 PM »
Im not sure about Citi Monitor or the Amex thing, but I can personally attest to the fact that FreeCreditRepot.com does very often give inaccurate credit scores
I don't know about AMEX, but Citi's identity monitor's 3 fico scores are the real deal.

i already did city moniter this year would i be able to get the free month again?
Yes, I've gotten the free month at least 6 times already.
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

abimeleibt

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Re: credit score
« Reply #12 on: June 06, 2008, 03:59:49 PM »
Anyone know how to build credit? someone told me that if i write checks instead of just using my debit card it'll help with credit. is that true?

Offline Dan

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Re: credit score
« Reply #13 on: June 06, 2008, 04:14:17 PM »
Anyone know how to build credit? someone told me that if i write checks instead of just using my debit card it'll help with credit. is that true?
no
See http://www.dansdeals.com/archives/2902
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline corny

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Re: credit score
« Reply #14 on: June 06, 2008, 04:56:28 PM »
now i personaly can confirm that freecreditreport.com is inaccurate because i signed up for freecreditreport.com and then to city moniter and freecreditreport was 5 points less