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 810331 times)

Offline PETERP

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Re: credit score
« Reply #1000 on: September 17, 2015, 02:30:18 AM »
Tell them you applied for a CC and they pulled your credit report twice. Can they please delete one of them.

Even though it was two cards? Cool !

Offline ChaimMoskowitz

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Re: credit score
« Reply #1001 on: September 17, 2015, 02:37:19 AM »
Even though it was two cards? Cool !
Remember ever card you apply for with amex gets a credit pull. If you apply for ten cards they pull your credit ten times. So the card in question had two hard pulls for the one card.
I just found a new supply of forks!

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Re: credit score
« Reply #1002 on: September 17, 2015, 09:24:48 AM »
Remember ever card you apply for with amex gets a credit pull. If you apply for ten cards they pull your credit ten times. So the card in question had two hard pulls for the one card.
please elaborate on the concept of a credit pull.  :P
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Offline ChaimMoskowitz

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Re: credit score
« Reply #1003 on: September 17, 2015, 09:38:44 AM »
please elaborate on the concept of a credit pull.  :P
Ask tomorrow!
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Offline Ydad

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Re: credit score
« Reply #1004 on: September 17, 2015, 09:45:24 AM »
call the CB & tell them its a duplicate.. have them remove it
Thanx @chapshnell. Just called Experian. Totally painless, 3 minute phone call and they removed it!

Offline Ydad

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Re: credit score
« Reply #1005 on: September 17, 2015, 09:49:28 AM »
Tell them you applied for a CC and they pulled your credit report twice. Can they please delete one of them.
How is that different from a duplicate credit pull? By the way that's exactly what I told them, "I applied for a credit card and it seems they pulled my credit twice", and they removed it.

Offline ChaimMoskowitz

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Re: credit score
« Reply #1006 on: September 17, 2015, 09:59:22 AM »
How is that different from a duplicate credit pull? By the way that's exactly what I told them, "I applied for a credit card and it seems they pulled my credit twice", and they removed it.
Saying it was duplicate is not being honest. Saying they pulled twice for the same card is exactly what happened. You ended up getting it removed without having to lie.
I just found a new supply of forks!

Online etech0

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Re: credit score
« Reply #1007 on: September 17, 2015, 10:02:26 AM »
Saying it was duplicate is not being honest. Saying they pulled twice for the same card is exactly what happened. You ended up getting it removed without having to lie.
Didn't he say it was two cards?
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Offline Ydad

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Re: credit score
« Reply #1008 on: September 17, 2015, 10:05:11 AM »
Didn't he say it was two cards?
Yes but I applied for both of them on the 12th and on the 16th they pulled again for the 2nd one. Maybe we should move this to the ethical thread...

Offline ChaimMoskowitz

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Re: credit score
« Reply #1009 on: September 17, 2015, 10:07:52 AM »
Didn't he say it was two cards?
Both cards received a pull on the 12th. The card in question received a second pull on the 16th.
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Online etech0

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Re: credit score
« Reply #1010 on: September 17, 2015, 10:16:26 AM »
Both cards received a pull on the 12th. The card in question received a second pull on the 16th.
Aha
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Offline Ydad

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Re: credit score
« Reply #1011 on: September 17, 2015, 11:16:41 AM »
Both cards received a pull on the 12th. The card in question received a second pull on the 16th.
I'm actually not %100 sure that is true. The second app showed up right away with a message to call for verification. Though you could argue that the pull had already been done for the first card so that essentially means that the second card "had" that pull.

Online TimT

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Re: credit score
« Reply #1012 on: September 17, 2015, 11:18:49 AM »
I'm actually not %100 sure that is true. The second app showed up right away with a message to call for verification. Though you could argue that the pull had already been done for the first card so that essentially means that the second card "had" that pull.
If its pending its been pulled

Offline Ydad

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Re: credit score
« Reply #1013 on: September 17, 2015, 11:20:07 AM »
If its pending its been pulled
I see.

Offline ChaimMoskowitz

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Re: credit score
« Reply #1014 on: September 17, 2015, 11:21:58 AM »
I see.
This is why you always call the same day to get approved. The individual credit pulls will be merged into one by the CRA.
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Offline joshro

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Re: credit score
« Reply #1015 on: September 17, 2015, 02:00:52 PM »

This is why you always call the same day to get approved. The individual credit pulls will be merged into one by the CRA.
Not so simple with multiple apps from Amex. I was told I have to wait 5 days for a decision on the second app.

Offline ChaimMoskowitz

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Re: credit score
« Reply #1016 on: September 17, 2015, 02:51:40 PM »
I was told I have to wait 5 days for a decision on the second app.
I was told that once also right before they approved the second BC card.
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Offline CS91

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Re: credit score
« Reply #1017 on: September 17, 2015, 03:49:28 PM »
Remember ever card you apply for with amex gets a credit pull. If you apply for ten cards they pull your credit ten times. So the card in question had two hard pulls for the one card.

Wait, so that means when I did a 3BM, they pulled my score 3 times, and unless I call to get them merged, there will be 3 pulls on my report?

Online TimT

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Re: credit score
« Reply #1018 on: September 17, 2015, 03:57:57 PM »
Same day merges into 1 automatically

Offline PETERP

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Re: credit score
« Reply #1019 on: September 17, 2015, 04:09:53 PM »
Tell them you applied for a CC and they pulled your credit report twice. Can they please delete one of them.

Succinctly explained . Thanks