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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 »

Author Topic: credit score  (Read 809411 times)

Offline davidrotts63

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Re: credit score
« Reply #3940 on: March 15, 2018, 03:45:12 PM »
No, actually lowered
Likely something else lowered your score, this is just a factor of your score, not the reason lowered
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Offline noturbizniss

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Re: credit score
« Reply #3941 on: March 16, 2018, 12:51:39 AM »
What does this mean:

Key Factor(s) Affecting Your FICO Score:
Number of bank/national revolving accounts with balances
FICO Scores consider the number of credit card accounts with balances that a person has in their credit report, including balance amounts that appear from the most recent account statements—even if that balance was paid off. Your FICO Score was impacted because of the number of credit card accounts with balances that you have.

I don't have a large balance on any card, but credit score dropped significantly.
Do you have balances on a lot of cards?
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Offline New Yorker

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Re: credit score
« Reply #3942 on: March 16, 2018, 08:52:38 AM »
Do you have balances on a lot of cards?

Yes, a few dollars on each card. But I thought it's a good thing to do?

Offline noturbizniss

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Re: credit score
« Reply #3943 on: March 16, 2018, 09:00:24 AM »
Yes, a few dollars on each card. But I thought it's a good thing to do?
$2 on one card not all. Also, The reason they gave you was too many cards with balance not too much balance. I’m only speculating.
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Offline PillanSmye

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Re: credit score
« Reply #3944 on: March 17, 2018, 06:19:49 PM »
$2 on one card not all. Also, The reason they gave you was too many cards with balance not too much balance. I’m only speculating.

It's definitely too many cards with balances. 

Most people are also checking their FICO 08's since we play CC games.  The FICO versions used for mortgage underwriting pummel you even harder for balances across multiple cards.

Offline Abey

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Re: credit score
« Reply #3945 on: March 19, 2018, 01:17:02 PM »
Never noticed this before, maybe it’s a new feature...
On Experian when the give you you’re credit score they have a map/graph how you compare to average in you’re region, credit utilization,accounts late etc.
crazy to see the numbers !!
Anyone ever seen this ?

Offline davidrotts63

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Re: credit score
« Reply #3946 on: March 19, 2018, 01:18:52 PM »
Does Barclay report statements only or PIF as well?
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Offline davidrotts63

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Re: credit score
« Reply #3947 on: March 22, 2018, 07:24:17 PM »
Can anyone confirm, FAKO counts only AAoOA?
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Offline ChaimMoskowitz

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Re: credit score
« Reply #3948 on: March 22, 2018, 08:31:21 PM »
Can anyone confirm, FAKO counts only AAoOA?
What the h*ll is AAoOA?
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Offline JACKBLUE

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Re: credit score
« Reply #3949 on: March 22, 2018, 08:33:38 PM »

Offline davidrotts63

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Re: credit score
« Reply #3950 on: March 22, 2018, 08:33:46 PM »
What the h*ll is AAoOA?
Lol.
Average age of OPEN accounts.
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Offline ChaimMoskowitz

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Re: credit score
« Reply #3951 on: March 22, 2018, 08:34:40 PM »
Average age of OPEN accounts.
You need to cool down on this made up sh*t.
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Offline davidrotts63

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Re: credit score
« Reply #3952 on: March 22, 2018, 08:43:44 PM »
You need to cool down on this made up sh*t.
This one isn't mine, it's out there but since AAOA is more relevant, you don't see it much.
See here :
https://creditboards.com/forums/index.php?showtopic=600109&view=&hl=&fromsearch=1

And here:
http://ficoforums.myfico.com/t5/General-Credit-Topics/AAoA-With-Opened-Closed-Accounts/td-p/4516932
The second one actually answered my question
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Offline ChaimMoskowitz

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Re: credit score
« Reply #3953 on: March 22, 2018, 08:45:50 PM »
This one isn't mine, it's out there but since AAOA is more relevant, you don't see it much.
See here :
https://creditboards.com/forums/index.php?showtopic=600109&view=&hl=&fromsearch=1

And here:
http://ficoforums.myfico.com/t5/General-Credit-Topics/AAoA-With-Opened-Closed-Accounts/td-p/4516932
The second one actually answered my question
It is AAOA not your made up one. I wouldn't admit you go to the second one for info.
I just found a new supply of forks!

Offline davidrotts63

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Re: credit score
« Reply #3954 on: March 22, 2018, 08:47:42 PM »
It is AAOA. I wouldn't admit you go to the second one for info.
AAOA =average age of accounts, which includes closed accounts and is what really matters.
AAoOA= Average age of OPEN accounts, which is only open accounts and is apparently used in the Vantage  scoring system
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Offline ChaimMoskowitz

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Re: credit score
« Reply #3955 on: March 22, 2018, 08:50:13 PM »
AAoOA= Average age of OPEN accounts, which is only open accounts and is apparently used in the Vantage  scoring system
So useless. Don't forget about AAoOAwtLY
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Offline davidrotts63

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Re: credit score
« Reply #3956 on: March 22, 2018, 08:51:00 PM »
So useless.
Go read my original question that's pretty much what it was
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Offline ChaimMoskowitz

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Re: credit score
« Reply #3957 on: March 22, 2018, 08:51:54 PM »
Go read my original question that's pretty much what it was
Useless like I said.
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Offline Abey

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Re: credit score
« Reply #3958 on: April 25, 2018, 02:57:43 PM »
Freecreditscore.com ex FICO or fako?

Offline ChaimMoskowitz

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Re: credit score
« Reply #3959 on: April 25, 2018, 03:08:39 PM »
Freecreditscore.com ex FICO or fako?
Per their website "FICO® Score".
I just found a new supply of forks!