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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 810065 times)

Offline TimT

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Re: credit score
« Reply #880 on: August 13, 2015, 12:12:56 PM »
not mine :(
+1. I went through every last card. Nothing. Are they manually putting it on to everyone's accounts ?

Offline Yitzshpitz

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Re: credit score
« Reply #881 on: August 13, 2015, 12:16:12 PM »
+1. I went through every last card. Nothing. Are they manually putting it on to everyone's accounts ?

It showed up for me about a week ago on one card but many have not seen it...this whole thing is strange

Offline yochiek93

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Re: credit score
« Reply #882 on: August 13, 2015, 12:18:34 PM »
It showed up for me about a week ago on one card but many have not seen it...this whole thing is strange
amex said they are rolling it out slowly but it will get to everyone.

Offline TimT

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Re: credit score
« Reply #883 on: August 13, 2015, 12:20:14 PM »
amex said they are rolling it out slowly but it will get to everyone.
Its strange that it has to be rolled out slowly & can't just become available at once to everybody.

Offline yochiek93

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Re: credit score
« Reply #884 on: August 13, 2015, 12:24:06 PM »
Its strange that it has to be rolled out slowly & can't just become available at once to everybody.
couldn't agree more!!!!!

Offline Ydad

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Re: credit score
« Reply #885 on: August 13, 2015, 12:25:45 PM »
I had it on all my cards till a week ago. Now I'm seeing the old site and the credit score is gone!

Offline yuguy

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Re: credit score
« Reply #886 on: August 13, 2015, 12:47:41 PM »
Its strange that it has to be rolled out slowly & can't just become available at once to everybody.

True, but Chase did this with their Slate product as well.

Offline username

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Re: credit score
« Reply #887 on: August 13, 2015, 03:21:02 PM »
Is it typical for there to be a 15 point difference between my experian (AMEX) and Equifax (CITI) scores?
Equifax is higher.
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Offline a mirrer

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Re: credit score
« Reply #888 on: August 13, 2015, 03:27:19 PM »
Is it typical for there to be a 15 point difference between my experian (AMEX) and Equifax (CITI) scores?
Equifax is higher.
1.citis is the enhanced bankcard version with a high of 900 instead of 850
2. most probably ex has more pulls then eq (my eq for example is clean while my ex has 14 pulls)

Offline ChaimMoskowitz

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Re: credit score
« Reply #889 on: August 13, 2015, 03:29:17 PM »
1.citis is the enhanced bankcard version with a high of 900 instead of 850
2. most probably ex has more pulls then eq (my eq for example is clean while my ex has 14 pulls)
How many points you think your 14 pulls are costing you?
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Offline a mirrer

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Re: credit score
« Reply #890 on: August 13, 2015, 03:34:50 PM »
How many points you think your 14 pulls are costing you?
my ex is 751 and eq is 767 from their respective sites

Offline Dr Moose

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Re: credit score
« Reply #891 on: August 13, 2015, 03:35:02 PM »
Can someone explain to me the whole thing about why pulls are regarding so highly among us consumers?

If you get approved for the card, any other bank will see that you got more credit cards whether or not there's a pull. And they'll tell you "you're aggressively seeking new credit."
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Offline Marco Polo

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Re: credit score
« Reply #892 on: August 13, 2015, 03:36:25 PM »
Can someone explain to me the whole thing about why pulls are regarding so highly among us consumers?

If you get approved for the card, any other bank will see that you got more credit cards whether or not there's a pull. And they'll tell you "you're aggressively seeking new credit."
Someone can CMIIW, but banks that pull different CB's may just be looking at pulls and focusing on that.
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Offline @Yehuda

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Re: credit score
« Reply #893 on: August 13, 2015, 03:36:56 PM »
Can someone explain to me the whole thing about why pulls are regarding so highly among us consumers?

If you get approved for the card, any other bank will see that you got more credit cards whether or not there's a pull. And they'll tell you "you're aggressively seeking new credit."
Because if you don't get approved for the card, they still see that you're aggressively seeking new credit.

Offline ChaimMoskowitz

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Re: credit score
« Reply #894 on: August 13, 2015, 03:37:03 PM »
Pulls are overrated but do affect your score.
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Offline ChaimMoskowitz

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Re: credit score
« Reply #895 on: August 13, 2015, 03:39:34 PM »
Someone can CMIIW, but banks that pull different CB's may just be looking at pulls and focusing on that.
True but CB (Creditboards) seems to believe that you are not denied for to many pulls. Now someone will post they received a letter stating they were denied for to many pulls.
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Offline Dr Moose

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Re: credit score
« Reply #896 on: August 13, 2015, 03:41:45 PM »
I am always told it's because too many recent open accounts, never because the amount of pulls I have.
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Offline Dr Moose

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Re: credit score
« Reply #897 on: August 13, 2015, 03:43:43 PM »
Pulls are overrated but do affect your score.
I'm not arguing that they don't affect your score. I just think they're a bit overrated here.

Because if you don't get approved for the card, they still see that you're aggressively seeking new credit.
That I can understand. However if you're not getting approved with recon, you're not playing the game right.
« Last Edit: August 13, 2015, 05:12:42 PM by Dr Moose »
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Offline unclesam

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Re: credit score
« Reply #898 on: August 13, 2015, 03:45:43 PM »
If I close some cards will the average account age go up. Or it also includes closed accounts?

Offline ChaimMoskowitz

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Re: credit score
« Reply #899 on: August 13, 2015, 03:46:47 PM »
I'm arguing that they don't affect your score.
Then you will need to use AV's math.  :P
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