Topic Wiki

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 809912 times)

Online etech0

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Re: credit score
« Reply #500 on: January 18, 2015, 12:50:16 PM »
Credit based on monopoly money is worthless
If you have any extra monopoly money I"ll take it.
Workflowy. You won't know what you're missing until you try it.

Offline noturbizniss

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Re: credit score
« Reply #501 on: January 18, 2015, 12:50:58 PM »
If you have any extra monopoly money I"ll take it.
Have a few games in my closet. Saving it for when I go to Niagara.
READ THE DARN WIKI!!!!

Chuck Norris...
...can still do FT method
...READS THE WIKI!!!

Offline pixi

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Re: credit score
« Reply #502 on: January 18, 2015, 07:01:20 PM »
Is there a thread for credit report?
money doesn't talk......      it SCREAMS !

Online TimT

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Re: credit score
« Reply #503 on: January 18, 2015, 07:07:25 PM »

Offline yitzy93

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Re: credit score
« Reply #504 on: January 20, 2015, 05:41:20 AM »
Anyone have experience with Credit Sesame, Credit Concierge or Quizzle? Reliable? Hassle?
I've tried Credit Karma but so far haven't been verified, so looking for an alternative.

Offline Emkay

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Re: credit score
« Reply #505 on: January 20, 2015, 06:01:27 AM »
Anyone have experience with Credit Sesame, Credit Concierge or Quizzle? Reliable? Hassle?
I've tried Credit Karma but so far haven't been verified, so looking for an alternative.
reliable in what aspect?

Offline yitzy93

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Re: credit score
« Reply #506 on: January 20, 2015, 06:04:36 AM »
reliable in what aspect?

Can I trust them with my personal info?

Offline Emkay

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Re: credit score
« Reply #507 on: January 20, 2015, 06:22:19 AM »
Can I trust them with my personal info?
dunno about the others but credit sesame is fine

Offline Yid21

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Re: credit score
« Reply #508 on: January 25, 2015, 12:59:01 PM »
If I shop around for a mortgage and have 2 or 3 different places pull my credit, should I be concerned about those hard pulls?

Offline ckmk47

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Re: credit score
« Reply #509 on: January 25, 2015, 01:04:11 PM »
If I shop around for a mortgage and have 2 or 3 different places pull my credit, should I be concerned about those hard pulls?
For mortgages and car loans, all pulls within a short time are counted as 1 pull.  So feel free to shop around.
Although you can get information from them without giving your social.  If they say they need it, you just tell them your score  and ask for their quote - even though he can't guarantee the rate until he pulls  your credit report.
My favorite cause: cssy.org

Offline Yid21

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Re: credit score
« Reply #510 on: January 25, 2015, 01:06:19 PM »
thanks alot for the info!

Offline ChaimMoskowitz

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Re: credit score
« Reply #511 on: January 25, 2015, 01:11:13 PM »
For mortgages and car loans, all pulls within a short time are counted as 1 pull.  So feel free to shop around.
They are counted as one to calculate your score (most of the time) but all the inquires will still be on your report.
I just found a new supply of forks!

Online TimT

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Re: credit score
« Reply #512 on: January 25, 2015, 01:15:19 PM »
They are counted as one to calculate your score (most of the time) but all the inquires will still be on your report.
As long as the score isn't going down that shouldn't matter, right ?

Offline avromie7

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Re: credit score
« Reply #513 on: January 25, 2015, 01:21:36 PM »
As long as the score isn't going down that shouldn't matter, right ?
The banks don't care about your score they care about the report behind the score so since you are shopping around for a mortgage having recent pulls from a different bank should not mean much if anything at all
I wonder what people who type "u" instead of "you" do with all their free time.

Online TimT

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Re: credit score
« Reply #514 on: January 25, 2015, 01:23:55 PM »
The banks don't care about your score they care about the report behind the score so since you are shopping around for a mortgage having recent pulls from a different bank should not mean much if anything at all
Don't you get a better rate the higher the score ?

Offline avromie7

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Re: credit score
« Reply #515 on: January 25, 2015, 01:24:54 PM »
Don't you get a better rate the higher the score ?
IINM the actual score is not the deciding factor it's the report behind it
I wonder what people who type "u" instead of "you" do with all their free time.

Offline Lou Bob

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Re: credit score
« Reply #516 on: January 25, 2015, 01:51:37 PM »
For mortgages and car loans, all pulls within a short time are counted as 1 pull.  So feel free to shop around.
Although you can get information from them without giving your social.  If they say they need it, you just tell them your score  and ask for their quote - even though he can't guarantee the rate until he pulls  your credit report.
they're bunched together by 30 days - from the first pull
Always use an Amex, you'll thank me one day.

Offline pixi

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Re: credit score
« Reply #517 on: January 25, 2015, 02:45:04 PM »
It does matters what score you have to get a better rate..  And having to many pulls isn't the best idea...
money doesn't talk......      it SCREAMS !

Offline yitz-ee

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Re: credit score
« Reply #518 on: January 27, 2015, 04:09:36 PM »
How can I check my Fico score for free?

Online TimT

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Re: credit score
« Reply #519 on: January 27, 2015, 04:10:22 PM »
How can I check my Fico score for free?
If you have Barclays you could check TU