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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 199406 times)

Offline HelpMe

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Re: Credit Score Drop?
« Reply #75 on: January 04, 2012, 07:42:56 PM »
I  have  subscribed to the citi identity monitor , it gives me alerts,  credit scores  and credit reports. I pay $4.95 monthly, employee pricing deal, regular price is $12.95 monthly.
That could explain the move. FAKO scores are notorious for this.
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Offline jimmy1

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Re: Credit Score Drop?
« Reply #76 on: January 04, 2012, 07:44:32 PM »
Were any of the accounts you opened in the last year actually within the last 3 months at all? And, when was the last time you checked the score prior to this happening?

i check  2-3 times a week, i did check my score the day before i did CL transfer from SW to freedom. i didn't see any drop or such noticeble  drop  after opening 6 cards in the last 12 months  and there was 3 months gap from opening the citi aadvantage card to SW  card.

Offline scwam

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Re: Credit Score Drop?
« Reply #77 on: January 04, 2012, 07:48:21 PM »
You must be checking the score with another service, AFAIK identity monitor allows 1 score renewel every 30 days.

Offline creditor

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Re: Credit Score Drop?
« Reply #78 on: January 04, 2012, 07:49:05 PM »
OP may I further investigate citi identity monitor, what faco do they have is it  the ' plus' score, national equvilant score, or something else? reason I ask, my score typically drops 3 points on 1 inquiry, I have amex credit secure monitor, 'plus' score acct average 7 years, no bad stuff
I'm just say'inę«

Offline jimmy1

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Re: Credit Score Drop?
« Reply #79 on: January 04, 2012, 07:51:13 PM »
You must be checking the score with another service, AFAIK identity monitor allows 1 score renewel every 30 days.

honestly no, i  was also surprised to see such a change. i get new , updated credit score from citi  every month not every day.
as i mentioned in my post,  the latest update has my score  back to where it was and increased   couple of points

Offline HelpMe

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Re: Credit Score Drop?
« Reply #80 on: January 04, 2012, 07:52:16 PM »
OP may I further investigate citi identity monitor, what faco do they have is it  the ' plus' score, national equvilant score, or something else? reason I ask, my score typically drops 3 points on 1 inquiry, I have amex credit secure monitor, 'plus' score acct average 7 years, no bad stuff
You want to compare FAKO scores. You have to be kidding.
"Elvis Has Left The Building"

Offline Saver2000

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Re: Credit Score Drop?
« Reply #81 on: January 04, 2012, 07:52:40 PM »
i check  2-3 times a week, i did check my score the day before i did CL transfer from SW to freedom. i didn't see any drop or such noticeble  drop  after opening 6 cards in the last 12 months  and there was 3 months gap from opening the citi aadvantage card to SW  card.

As scwam suggested before, the new cc wont show up on your cr for at least 30 days. During that time you total available credit will be lower on you cr bec part of it went to the "pending" cc.
Maybe that's why it dropped?

Offline creditor

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Re: Re: Credit Score Drop?
« Reply #82 on: January 04, 2012, 07:55:45 PM »
honestly no, i  was also surprised to see such a change. i get new , updated credit score from citi  every month not every day.
as i mentioned in my post,  the latest update has my score  back to where it was and increased   couple of points
good info!! IOW credit inquiries decreases score for approx a month [at least on FACO] mods, got that ?
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Offline Saver2000

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Re: Credit Score Drop?
« Reply #83 on: January 04, 2012, 07:56:08 PM »
You want to compare FAKO scores. You have to be kidding.

+1
They use different scoring models. Citi goes from 350-850, amex goes from 300-750.
Those aren't the exact numbers but you get the point .

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Re: Re: Credit Score Drop?
« Reply #84 on: January 04, 2012, 07:57:30 PM »
You want to compare FAKO scores. You have to be kidding.
your right shouldent be, was just trying to help jimmy1 figure out his problem
I'm just say'inę«

Offline jimmy1

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Re: Credit Score Drop?
« Reply #85 on: January 04, 2012, 07:57:52 PM »
As scwam suggested before, the new cc wont show up on your cr for at least 30 days. During that time you total available credit will be lower on you cr bec part of it went to the "pending" cc.
Maybe that's why it dropped?
that maybe, i am not expert int his, i just saw such big drop all of a sudden  after doing the credit limit transfer . i honestly don't know for sure that is the exact cause. the call lady indian did it and  i saw the cl transfer  before i hung up the phone.

Offline scwam

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Re: Credit Score Drop?
« Reply #86 on: January 04, 2012, 07:58:54 PM »
I think citi uses the experian score. I've only been able to get monthly updates with the Citi Id program which would make it difficult to pinpoint if any of the accounts opened in the last 3 months caused this due to the lag time for reporting. My Citi ID has always been exactly the same or within 4 or 5 points of Experian's actual score directly from their websight. This is assuming that getting the score directly from Experian is also a FAKO.

Offline HelpMe

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Re: Re: Credit Score Drop?
« Reply #87 on: January 04, 2012, 08:00:17 PM »
your right shouldent be, was just trying to help jimmy1 figure out his problem
OP has no problem that I see.   ;)
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Offline creditor

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Re: Re: Credit Score Drop?
« Reply #88 on: January 04, 2012, 08:04:44 PM »
As scwam suggested before, the new cc wont show up on your cr for at least 30 days. During that time you total available credit will be lower on you cr bec part of it went to the "pending" cc.
Maybe that's why it dropped?
+1
think wev got the answer, as said its probably the credit shifting made it, since your overall credit got lower, OP best way to check it, was your credit utilization lower when score went down, to when your score went up?
I'm just say'inę«

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Re: Re: Re: Credit Score Drop?
« Reply #89 on: January 04, 2012, 08:05:59 PM »
OP has no problem that I see.   ;)
but you seem to be having a big 1
I'm just say'inę«