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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 809314 times)

Offline ChaimMoskowitz

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Re: credit score
« Reply #900 on: August 13, 2015, 03:47:29 PM »
If I close some cards will the average account age go up. Or it also includes closed accounts?
Also includes closed accounts.
I just found a new supply of forks!

Offline Marco Polo

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Re: credit score
« Reply #901 on: August 13, 2015, 03:48:27 PM »
Also includes closed accounts.
For the 10 years it is on the report.
Quaerite et Invenietis.

Offline ChaimMoskowitz

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Re: credit score
« Reply #902 on: August 13, 2015, 03:49:38 PM »
For the 10 years it is on the report.
Some are longer.
I just found a new supply of forks!

Offline unclesam

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Re: credit score
« Reply #903 on: August 13, 2015, 03:53:20 PM »
Also includes closed accounts.
thanks. My score dropped like 25 points I believe its the new accounts and the pulls

Offline foseph

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Re: credit score
« Reply #904 on: August 13, 2015, 03:58:06 PM »
looking at my report and my chase ink plus is showing up as a credit inquiry on my experian one. thought it didnt show up on the personal credit report/score...or is that only the spending doesnt get reported each month?

Offline unclesam

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Re: credit score
« Reply #905 on: August 13, 2015, 03:58:57 PM »
For the 10 years it is on the report.
10 years is a long time. Next time I'll think twice before opening 4 Alaska cards

Offline a mirrer

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Re: credit score
« Reply #906 on: August 13, 2015, 03:59:05 PM »
looking at my report and my chase ink plus is showing up as a credit inquiry on my experian one. thought it didnt show up on the personal credit report/score...or is that only the spending doesnt get reported each month?
that

Offline ChaimMoskowitz

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Re: credit score
« Reply #907 on: August 13, 2015, 04:03:15 PM »
looking at my report and my chase ink plus is showing up as a credit inquiry on my experian one. thought it didnt show up on the personal credit report/score...or is that only the spending doesnt get reported each month?
The card and spending does get report but will if you default.
I just found a new supply of forks!

Offline foseph

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Re: credit score
« Reply #908 on: August 13, 2015, 04:13:25 PM »
The card and spending does get report but will if you default.
that
kk thanks

Offline Dr Moose

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Re: credit score
« Reply #909 on: August 13, 2015, 05:12:59 PM »
Then you will need to use AV's math.  :P
I missed a word, fixed.
Hey there! I am using DansDeals Forums.

Offline maxie m

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Re: credit score
« Reply #910 on: August 13, 2015, 05:19:16 PM »
Pulls are overrated but do affect your score.
citi just shut all of dw's  cc due to too many pulls
Dumb people learn from their own mistakes,smart people,from the mistakes of others

Offline ChaimMoskowitz

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Re: credit score
« Reply #911 on: August 13, 2015, 10:55:14 PM »
citi just shut all of dw's  cc due to too many pulls
Most likely not the real reason.
I just found a new supply of forks!

Offline Marco Polo

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Re: credit score
« Reply #912 on: August 14, 2015, 07:52:20 AM »
citi just shut all of dw's  cc due to too many pulls
Most likely not the real reason.
Likely ^^. What was she using the cards for?
Quaerite et Invenietis.

Offline CS91

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Re: credit score
« Reply #913 on: August 18, 2015, 10:00:03 AM »
Not sure if this is the correct thread to ask this, but having a tough time getting a pull removed from my Transunion report. Basically went to a car dealership, and when I gave them my social etc., I told them that I didn't want them to pull my credit score until they gave me the monthly rate and I decided if I was interested or not. The saleswoman agreed not to pull it, and next thing I know I'm back from the test drive and they've already pulled it. I called Transunion, and they said that I need a letter of deletion from the merchant. I called the dealership and they didn't want to give me one (they claim I authorized them to run it), so Transunion said that the only way for me to get the pull removed is by filing a police report. Is this really the only way or is this something that I HUCA? Really want the pull removed but not really interested in the hassle of filing a report...

Offline Marco Polo

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Re: credit score
« Reply #914 on: August 18, 2015, 10:07:21 AM »
Not sure if this is the correct thread to ask this, but having a tough time getting a pull removed from my Transunion report. Basically went to a car dealership, and when I gave them my social etc., I told them that I didn't want them to pull my credit score until they gave me the monthly rate and I decided if I was interested or not. The saleswoman agreed not to pull it, and next thing I know I'm back from the test drive and they've already pulled it. I called Transunion, and they said that I need a letter of deletion from the merchant. I called the dealership and they didn't want to give me one (they claim I authorized them to run it), so Transunion said that the only way for me to get the pull removed is by filing a police report. Is this really the only way or is this something that I HUCA? Really want the pull removed but not really interested in the hassle of filing a report...
Why would the dealership care to give a letter?
Quaerite et Invenietis.

Offline CS91

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Re: credit score
« Reply #915 on: August 18, 2015, 10:16:02 AM »
Why would the dealership care to give a letter?

Because they're super stubborn. I tried reasoning with them and explaining to them that the saleswoman that I dealt with doesn't have a firm grasp on the English language and they just won't budge. I even told them that if they don't give it to me that I'll file a report and still no dice.

Offline Marco Polo

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Re: credit score
« Reply #916 on: August 18, 2015, 10:22:33 AM »
Because they're super stubborn. I tried reasoning with them and explaining to them that the saleswoman that I dealt with doesn't have a firm grasp on the English language and they just won't budge. I even told them that if they don't give it to me that I'll file a report and still no dice.
If the pull means a lot to you and may affect your applications, just file a claim.
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Offline CS91

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Re: credit score
« Reply #917 on: August 18, 2015, 11:59:44 AM »
If the pull means a lot to you and may affect your applications, just file a claim.

But is it going to turn into a whole pressing charges situation? Because that will just be a PITA to deal with...

Offline Marco Polo

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Re: credit score
« Reply #918 on: August 18, 2015, 12:00:20 PM »
But is it going to turn into a whole pressing charges situation? Because that will just be a PITA to deal with...
You can probably call and ask the station what is involved.
Quaerite et Invenietis.

Offline Labeled1

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Re: credit score
« Reply #919 on: August 18, 2015, 01:04:19 PM »
As of 08/14/15, my Amex account did not have the FICO Score option. I logged in this morning & there it was. Those of you still looking for it may wish to try once more today.