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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 189673 times)

Offline Dan

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Re: credit score
« Reply #30 on: May 26, 2010, 06:13:36 PM »
whats the deal with checking you credit score effecting your score. i have heard conflicting reports. some say that looking at your score effects it negativley. others say its not so. anyone know?
Checking your own score has no effect on your score.
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 Smirk

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Re: credit score
« Reply #31 on: June 04, 2010, 01:56:32 PM »
Checking your own score has no effect on your score.
but all the credit inquiries you do in order to churn affect it no?

Offline aussiebochur

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Re: credit score
« Reply #32 on: June 04, 2010, 02:08:47 PM »
but all the credit inquiries you do in order to churn affect it no?
If you check your credit score it has no effect on your credit score.
When you apply for a credit card, the "inquiry" deducts 2-5 points from your credit score.

Offline Smirk

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Re: credit score
« Reply #33 on: June 04, 2010, 02:20:05 PM »
I have a lot of inquiries, and way to get them off?

Offline Avid Reader

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Re: credit score
« Reply #34 on: June 04, 2010, 03:54:14 PM »
I have a lot of inquiries, and way to get them off?

Bumpage. Basically you check your credit reports every day and after some time the inquiry falls off. This has something to do with the CR only being able to contain a limited amount of inquires so once you overload it with you own inquiries, the real ones fall off.

Offline Smirk

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Re: credit score
« Reply #35 on: June 04, 2010, 04:15:42 PM »
Interesting idea but a. Doesn't checking your own score not count as a inquiry
b. If it does it'll still be a inquiry, are you saying the cc companies actually look at each inquiry in specific as opposed to just looking at total # of them?

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Re: credit score
« Reply #36 on: June 04, 2010, 04:59:56 PM »
I read a bit and this works if you do it for 50-100 times, and not always does it work and it for sure doesn't work with experian, I have heard amex check experian, can anyone confirm this?

Offline sprint

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Re: credit score
« Reply #37 on: June 04, 2010, 05:09:37 PM »
amex generally checks experian, for both new accounts, and frequently for increases in credit as well. You can request that they not do a hard check when requesting a CL increase and they will frequently be able to help u using their soft checks + your account info - without doing a hard check.

Offline Avid Reader

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Re: credit score
« Reply #38 on: June 04, 2010, 05:45:52 PM »
Interesting idea but a. Doesn't checking your own score not count as a inquiry
b. If it does it'll still be a inquiry, are you saying the cc companies actually look at each inquiry in specific as opposed to just looking at total # of them?

Checking you own CR shows up on your CR as an inquiry in a separate section only for you to see, not for companies pulling your report. It does not lower your score. On the other hand they are bunched together with the real inquiries so when you do enough of your own, the real ones fall off. This is unofficial and so YMMV.

Offline Chaikel

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Re: credit score
« Reply #39 on: June 05, 2010, 02:00:07 PM »
FYI. In general once you have (or possibly, even have had) an account with a particular institution, they will generally only do a soft check, even when applying for new/different cards. Hence Dan probably doesn't have more than 2 checks (if that) in the past 2 years.
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Offline kivabb

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Re: credit score
« Reply #40 on: June 05, 2010, 11:05:51 PM »
Checking you own CR shows up on your CR as an inquiry in a separate section only for you to see, not for companies pulling your report. It does not lower your score. On the other hand they are bunched together with the real inquiries so when you do enough of your own, the real ones fall off. This is unofficial and so YMMV.

Can you give more detail? What's the max that it shows that we can start pushing out with our own inquiries?

Offline YOSEF

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Re: credit score
« Reply #41 on: June 05, 2010, 11:38:07 PM »
FYI. In general once you have (or possibly, even have had) an account with a particular institution, they will generally only do a soft check, even when applying for new/different cards. Hence Dan probably doesn't have more than 2 checks (if that) in the past 2 years.
Dan, is that true?

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Re: credit score
« Reply #42 on: June 05, 2010, 11:40:35 PM »
FYI. In general once you have (or possibly, even have had) an account with a particular institution, they will generally only do a soft check, even when applying for new/different cards. Hence Dan probably doesn't have more than 2 checks (if that) in the past 2 years.

Based on my personal experience and of people I know, this is not the case at all

Offline Chaikel

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Re: credit score
« Reply #43 on: June 06, 2010, 01:21:53 AM »
I've had many amex applications, and I haven't had a hard check from them in years
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Re: credit score
« Reply #44 on: June 06, 2010, 10:30:55 PM »
I've had many amex applications, and I haven't had a hard check from them in years

I cant speak for amex because I havent played with them too much (I got FR'd and it is one of the best cards I wanted to keep). But with Citi, Chase, and BoA I got many repeated hard pulls.