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 809587 times)

Offline yochiek93

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Re: credit score
« Reply #920 on: August 18, 2015, 01:15:00 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.
Thanx

Offline sruli1234

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Re: credit score
« Reply #921 on: August 18, 2015, 01:17:45 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.

Thanks, I just got it!

Offline AJK

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Re: credit score
« Reply #922 on: August 25, 2015, 12:05:11 PM »
Just reviewed relative's Credit Karma's EQ score and it dropped 40 points since last update (7 days ago), but nothing has changed for the negative on the reports between this week and last AFAICT.

#confused
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

Offline benjie1305

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Re: credit score
« Reply #923 on: August 25, 2015, 12:08:07 PM »
Just reviewed relative's Credit Karma's EQ score and it dropped 40 points since last update (7 days ago), but nothing has changed for the negative on the reports between this week and last AFAICT.

#confused

Maybe something from the past just hit? A pull from a few weeks ago? AUs? Balance?
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Offline ChaimMoskowitz

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Re: credit score
« Reply #924 on: August 25, 2015, 12:10:32 PM »
#confused
It is CK so need I say more.
I just found a new supply of forks!

Offline AJK

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Re: credit score
« Reply #925 on: August 25, 2015, 12:17:04 PM »
Maybe something from the past just hit? A pull from a few weeks ago? AUs? Balance?

Nope, hasn't been any real activity in terms of churning or spending. Nor any AUs added.

It is CK so need I say more.

I guess that's a bit comforting, but it still disturbs me when I see this:



Espcially if, presumably, CK is using the same algorithm between weeks.
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

Offline AJK

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Re: credit score
« Reply #926 on: August 25, 2015, 12:19:14 PM »
I wish CK showed a comparison between reports as to what changed so that I could tell for sure it was based on them on not based on the report.

The only thing I see that are different is:

The balance of an auto loan went DOWN by $200

Two CC's reported a balance of 71 and $108.

Can't have caused that massive drop unless I'm missing something else.
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

Offline noturbizniss

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Re: credit score
« Reply #927 on: August 25, 2015, 12:27:06 PM »
I wish CK showed a comparison between reports as to what changed so that I could tell for sure it was based on them on not based on the report.

The only thing I see that are different is:

The balance of an auto loan went DOWN by $200

Two CC's reported a balance of 71 and $108.

Can't have caused that massive drop unless I'm missing something else.
On mine it shows changes since last report if you scroll down on the overview page.
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Offline caliheat

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Re: credit score
« Reply #928 on: August 25, 2015, 12:28:50 PM »
Just reviewed relative's Credit Karma's EQ score and it dropped 40 points since last update (7 days ago), but nothing has changed for the negative on the reports between this week and last AFAICT.

#confused
I have seen this happen consistently on my CK.
I've had 100 point down 80 points up etc. which regardless should never happen.
As a reference: January 717, February 617, March 761, April 753, May 697, June 766

Offline ChaimMoskowitz

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Re: credit score
« Reply #929 on: August 25, 2015, 01:11:06 PM »
The balance of an auto loan went DOWN by $200

Two CC's reported a balance of 71 and $108.

Can't have caused that massive drop unless I'm missing something else.
I know you might think I am being flip but this is CK. If you have no CC's reporting a balance and now two that might be it.

Check this out. Just pulled CK and my balances went up by 24k. TU went up 19 and EQ 1. Maybe I should carry 100k in balances.  :)
I just found a new supply of forks!

Offline noturbizniss

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Re: credit score
« Reply #930 on: August 25, 2015, 01:39:09 PM »
I know you might think I am being flip but this is CK. If you have no CC's reporting a balance and now two that might be it.

Check this out. Just pulled CK and my balances went up by 24k. TU went up 19 and EQ 1. Maybe I should carry 100k in balances.  :)
And my score went down 70 points when one card added 65% utilization.
Bonus points for whoever gets the below... (no peeking at the link)

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Offline Marco Polo

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Re: credit score
« Reply #931 on: August 25, 2015, 01:39:40 PM »
And my score went down 70 points when one card added 65% utilization.
Bonus points for whoever gets the below...


Is that the tollbooth book?
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Offline noturbizniss

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Re: credit score
« Reply #932 on: August 25, 2015, 01:40:10 PM »
Is that the tollbooth book?
Bonus points!!! Jumping to conclusions
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Offline ChaimMoskowitz

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Re: credit score
« Reply #933 on: August 25, 2015, 01:50:23 PM »
Had no idea so I cheated.  :-[
I just found a new supply of forks!

Offline AJK

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Re: credit score
« Reply #934 on: August 25, 2015, 04:54:03 PM »
On mine it shows changes since last report if you scroll down on the overview page.

That's where I got the above from... but that wouldn't have caused a 40 point drop AFAIK.

I have seen this happen consistently on my CK.
I've had 100 point down 80 points up etc. which regardless should never happen.
As a reference: January 717, February 617, March 761, April 753, May 697, June 766

Good to know this person is not the only one, assuming you didn't have large changes in your CR.

I know you might think I am being flip but this is CK. If you have no CC's reporting a balance and now two that might be it.

Check this out. Just pulled CK and my balances went up by 24k. TU went up 19 and EQ 1. Maybe I should carry 100k in balances.  :)

Ha, it's just weird. Seems like something funky with their algorithm.
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

Offline caliheat

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Re: credit score
« Reply #935 on: August 27, 2015, 03:11:20 PM »
Good to know this person is not the only one, assuming you didn't have large changes in your CR.
I can tell you, nothing serious enough to warrant so many spikes and dips..

Offline noturbizniss

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Re: credit score
« Reply #936 on: August 27, 2015, 03:19:08 PM »
I posted this in the credit karma thread, but i think it's worthwhile to repost here and I might add to wiki. Clearly there is minimal correlation betwean real FICO and Credit Karma.
READ THE DARN WIKI!!!!

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Offline Chapshnell

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Re: credit score
« Reply #937 on: August 27, 2015, 03:34:12 PM »
credit karma is good to pickup c"v bad issues on your CR. No idea how they make up the score per person. not even close to being accurate

Offline noturbizniss

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Re: credit score
« Reply #938 on: August 27, 2015, 03:40:06 PM »
credit karma is good to pickup c"v bad issues on your CR. No idea how they make up the score per person. not even close to being accurate
+100. As you can see from the FICO charts above even with the new AU cards coming in between November and May  the score went down very little. I actually called to get them removed becuase I saw the CK score drop and becuase my AAOA went down. 
The question is, with a score in the area of 800, would a lender still be worried about so many new accounts and AAOA being low?
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Offline nobiggy

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Re: credit score
« Reply #939 on: August 27, 2015, 04:03:15 PM »
is credit karma accurate in general? I opened 3 personal charge cards from AMEX 2 months ago and it hasn't showed up yet.