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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 809478 times)

Offline ChaimMoskowitz

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Re: credit score
« Reply #780 on: June 22, 2015, 05:12:08 PM »
Anywhere else? I know how to get the report. I would like to see an actual score.
Experian has it for $1 but remember to cancel.

http://www.experian.com/
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Offline coralsnake

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Re: credit score
« Reply #781 on: June 22, 2015, 05:13:36 PM »
Experian has it for $1 but remember to cancel.

http://www.experian.com/
Virtual credit card #?
"Here at DansDeals we don’t do buses." -Dan

Offline ChaimMoskowitz

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Re: credit score
« Reply #782 on: June 22, 2015, 05:15:27 PM »
Virtual credit card #?
You can but why not just cancel in a day or two. Not a big deal to do.
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Offline avrumy22

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Re: credit score
« Reply #783 on: June 22, 2015, 05:19:12 PM »
You can but why not just cancel in a day or two. Not a big deal to do.
Experian has it for $1 but remember to cancel.

http://www.experian.com/

worked great. thanks. now I am looking how to cancel....

Offline Emkay

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Re: credit score
« Reply #784 on: June 22, 2015, 05:26:18 PM »
Experian has it for $1 but remember to cancel.

http://www.experian.com/
Isn't that fako?

Offline yuguy

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Re: credit score
« Reply #785 on: June 22, 2015, 05:26:32 PM »
worked great. thanks. now I am looking how to cancel....

Every time I've had to PUTPAC to cancel

Offline ChaimMoskowitz

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Re: credit score
« Reply #786 on: June 22, 2015, 05:28:38 PM »
Isn't that fako?
Now get your FICO Score and Experian credit report for $1
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Offline srap

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Re: credit score
« Reply #787 on: July 01, 2015, 04:22:32 AM »
I got an instant approval for a credit card application at 11:45pm, 6/30th.  When will the pull be dated, 6/30th or 7/1st?  (In the past it took 1 1/2 hours to process, but it was not instant.)

Offline D93

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Re: credit score
« Reply #788 on: July 01, 2015, 06:23:06 AM »
I got an instant approval for a credit card application at 11:45pm, 6/30th.  When will the pull be dated, 6/30th or 7/1st?
Probably 6/30
Quote
(In the past it took 1 1/2 hours to process, but it was not instant.)
Impossible, pulls are INSTANT.

What bank? And where did you check to see when the pull showed up?

Offline ChaimMoskowitz

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Re: credit score
« Reply #789 on: July 01, 2015, 07:07:12 AM »
And where did you check to see when the pull showed up?
Unless it was directly from the CRA it is meaningless.
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Offline D93

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Re: credit score
« Reply #790 on: July 01, 2015, 07:17:44 AM »
Unless it was directly from the CRA it is meaningless.
Exactly why i asked.

Offline ChaimMoskowitz

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Re: credit score
« Reply #791 on: July 01, 2015, 07:19:56 AM »
Exactly why i asked.
I know that is why I added the additional comment. You know what they say about great minds.  :)
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Offline D93

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Re: credit score
« Reply #792 on: July 01, 2015, 07:24:22 AM »
I know that is why I added the additional comment. You know what they say about great minds.  :)
:)

Offline srap

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Re: credit score
« Reply #793 on: July 01, 2015, 10:16:52 AM »
Probably 6/30Impossible, pulls are INSTANT.

What bank? And where did you check to see when the pull showed up?
In the past it was either Chase or Amex who told me directly when their pull was dated.  Based on that I thought pulls took time and pictured the 6/30 timeclock for the deadline, but hoped I'd have a full 7/1 day to do an AOR.

This belongs in the dumb mistakes thread then.

Offline D93

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Re: credit score
« Reply #794 on: July 01, 2015, 12:35:59 PM »
In the past it was either Chase or Amex who told me directly when their pull was dated.  Based on that I thought pulls took time and pictured the 6/30 timeclock for the deadline, but hoped I'd have a full 7/1 day to do an AOR.

This belongs in the dumb mistakes thread then.
Maybe instead of relying on some phone rep, check your report yourself to see when the pull is actually from?

What does having a pull from 1 bank yesterday have to do with you applying for a different bank today?

Offline srap

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Re: credit score
« Reply #795 on: July 01, 2015, 12:37:37 PM »
Maybe instead of relying on some phone rep, check your report yourself to see when the pull is actually from?

What does having a pull from 1 bank yesterday have to do with you applying for a different bank today?
Nothing except trying to get the system down so all the pulls will collapse on the same day if possible.

Offline D93

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Re: credit score
« Reply #796 on: July 01, 2015, 12:39:40 PM »
Nothing except trying to get the system down so all the pulls will collapse on the same day if possible.

2 pulls from 2 different banks will NEVER "collapse"

Offline srap

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Re: credit score
« Reply #797 on: July 01, 2015, 01:11:21 PM »
2 pulls from 2 different banks will NEVER "collapse"
Got it.  I'll suffice with from same bank then.

Offline shoobi

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Re: credit score
« Reply #798 on: July 01, 2015, 09:36:53 PM »
Cmiiw but why does is it a big deal if it pulls on 6/30 or 7/1?

Offline username

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Re: credit score
« Reply #799 on: July 01, 2015, 11:26:40 PM »
When an institution does multiple pulls on the same day, they can roll into one pull.
^^^