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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 Switched to FAKO (VantageScore 3.0)
Chase Slate = EX (either 08 or Bankcard enhanced)
PSECU = EX 04

Citi branded cards = EQ 08 Bankcard enhanced
Citi AA = EQ bankcard enhanced
DCU= EQ 04
PenFed = EQ NextGen
Elements Financial (Credit Union, score available for without opening CC) = EQ 5

Barclays = TU 08
Discover it = TU 08
Walmart (store or MC) = TU 08
« Last edited by Lev26 on April 13, 2022, 02:28:07 AM »

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Author Topic: credit score  (Read 837948 times)

Offline a good yeshiva bachur

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Re: credit score
« Reply #3660 on: April 30, 2017, 01:41:42 AM »
Quote from: Wizard on April 30, 2017, 01:40:32 AM
My CL still didn't transfer and requested Tuesday last week
Why don't you call to see what happened?
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Offline Wizard

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Re: credit score
« Reply #3661 on: April 30, 2017, 01:50:51 AM »
Quote from: a good yeshiva bachur on April 30, 2017, 01:41:42 AM
Why don't you call to see what happened?
I'll give some more time. Too lazy to call ;)
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Offline David Smith

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Re: credit score
« Reply #3662 on: April 30, 2017, 03:24:46 AM »
Quote from: Wizard on April 28, 2017, 09:49:38 AM
Thank you guys! Do you know if I can close card after requesting transfer or need to wait until CL transfer complete before closing it? Rep wasn't sure.

Quote from: a good yeshiva bachur on April 30, 2017, 01:37:24 AM
Transfer usually happens on the spot....
(From my experience)

Quote from: Wizard on April 30, 2017, 01:40:32 AM
My CL still didn't transfer and requested Tuesday last week
If it didn't happen on the spot that generally means it's not happening. You should get a letter in the mail to that effect.
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Offline ChaimMoskowitz

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Re: credit score
« Reply #3663 on: April 30, 2017, 07:32:29 AM »
Quote from: Wizard on April 30, 2017, 01:50:51 AM
I'll give some more time. Too lazy to call ;)
You should call.
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Offline a good yeshiva bachur

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Re: credit score
« Reply #3664 on: May 01, 2017, 07:25:41 PM »
Quote from: ChaimMoskowitz on April 30, 2017, 07:32:29 AM
You should call.
taking way too long...
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Offline Wizard

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Re: credit score
« Reply #3665 on: May 02, 2017, 02:18:12 AM »
Quote from: David Smith on April 30, 2017, 03:24:46 AM
If it didn't happen on the spot that generally means it's not happening. You should get a letter in the mail to that effect.
Quote from: ChaimMoskowitz on April 30, 2017, 07:32:29 AM
You should call.
Quote from: a good yeshiva bachur on May 01, 2017, 07:25:41 PM
taking way too long...
Ok thanks. Hope it works. I'll call. I believe I once had it take a while but then it worked.
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Offline as2

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Re: credit score
« Reply #3666 on: May 04, 2017, 04:38:18 PM »
Quote from: Emkay on April 13, 2017, 04:08:31 PM

Still means nothing.
Actually it was spot on. At the time it was down all three of my scores were pulled and CK was spot on. CK showed a jump of 50+ points, and all 3 of my scored were pulled today as well, spot on x2.
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Offline mmgfarb

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Re: credit score
« Reply #3667 on: May 04, 2017, 04:40:16 PM »
Quote from: as2 on May 04, 2017, 04:38:18 PM
Actually it was spot on. At the time it was down all three of my scores were pulled and CK was spot on. CK showed a jump of 50+ points, and all 3 of my scored were pulled today as well, spot on x2.
CK will show an accurate report but not an accurate score.
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Offline as2

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Re: credit score
« Reply #3668 on: May 04, 2017, 04:41:12 PM »
Quote from: mmgfarb on May 04, 2017, 04:40:16 PM
CK will show an accurate report but not an accurate score.
I'm specifically referring to the scores
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Offline mmgfarb

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Re: credit score
« Reply #3669 on: May 04, 2017, 04:42:38 PM »
Quote from: as2 on May 04, 2017, 04:41:12 PM
I'm specifically referring to the scores
What score are you comparing it to to know if it's accurate?
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Offline as2

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Re: credit score
« Reply #3670 on: May 04, 2017, 04:43:59 PM »
Quote from: mmgfarb on May 04, 2017, 04:42:38 PM
What score are you comparing it to to know if it's accurate?
It was within 2 points of the 3 scores I received from hard pulls that day.
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Offline ChaimMoskowitz

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Re: credit score
« Reply #3671 on: May 04, 2017, 05:24:46 PM »
Quote from: as2 on May 04, 2017, 04:43:59 PM
It was within 2 points of the 3 scores I received from hard pulls that day.
A broken clock is right twice a day.
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Offline as2

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Re: credit score
« Reply #3672 on: May 04, 2017, 05:31:44 PM »
Quote from: ChaimMoskowitz on May 04, 2017, 05:24:46 PM
A broken clock is right twice a day.
What about at two random times a month apart?
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Offline a good yeshiva bachur

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Re: credit score
« Reply #3673 on: May 05, 2017, 05:01:59 PM »
Quote from: Wizard on May 02, 2017, 02:18:12 AM
Ok thanks. Hope it works. I'll call. I believe I once had it take a while but then it worked.
update?
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Offline JACKBLUE

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Re: credit score
« Reply #3674 on: May 08, 2017, 03:01:15 PM »
Found this weird...
My credit karma score fell from 994 to 772 for leaving 1 chase statement with $150 I have a total of $60k in CLs.
(Yes I know karma is a faico but I still find it weird)
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Offline David Smith

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Re: credit score
« Reply #3675 on: May 08, 2017, 03:02:49 PM »
Belongs in weird pictures thread, not credit score thread. Lol.
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Offline ChaimMoskowitz

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Re: credit score
« Reply #3676 on: May 08, 2017, 03:11:24 PM »
Quote from: JACKBLUE on May 08, 2017, 03:01:15 PM
Found this weird...
My credit karma score fell from 994 to 772 for leaving 1 chase statement with $150 I have a total of $60k in CLs.
(Yes I know karma is a faico but I still find it weird)
What's even weirder is this: Calculated using the VantageScore 3.0 model, these scores range from 300 to 850.
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Offline JACKBLUE

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Re: credit score
« Reply #3677 on: May 08, 2017, 03:21:57 PM »
Quote from: David Smith on May 08, 2017, 03:02:49 PM
Belongs in weird pictures thread, not credit score thread. Lol.
lol
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Offline ChaimMoskowitz

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Re: credit score
« Reply #3678 on: May 08, 2017, 03:28:34 PM »
Quote from: David Smith on May 08, 2017, 03:02:49 PM
Belongs in weird pictures thread, not credit score thread. Lol.
...or in Ripley's believe it or not.  ;)
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Offline noturbizniss

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Re: credit score
« Reply #3679 on: May 08, 2017, 03:52:01 PM »
Quote from: ChaimMoskowitz on May 08, 2017, 03:28:34 PM
...or in Ripley's believe it or not.  ;)
Would make a great addition to P&T's BS
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