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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 810351 times)

Offline CS91

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Re: credit score
« Reply #1020 on: September 17, 2015, 04:16:42 PM »
Same day merges into 1 automatically

But if one of them was pending for a few days before approval, then that caused a 2nd pull, right?

Offline ChaimMoskowitz

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Re: credit score
« Reply #1021 on: September 17, 2015, 04:18:26 PM »
Same day merges into 1 automatically
...if they are coded exactly the same. IIRC a former member explained pretty clearly why this happens.
I just found a new supply of forks!

Offline Ydad

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Re: credit score
« Reply #1022 on: September 17, 2015, 04:18:43 PM »
But if one of them was pending for a few days before approval, then that caused a 2nd pull, right?
That's what happened by me, see upthread.

Offline TimT

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Re: credit score
« Reply #1023 on: September 17, 2015, 04:19:11 PM »
If it caused a 2nd pull you call & have it removed as discussed.

Offline D93

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Re: credit score
« Reply #1024 on: September 17, 2015, 04:30:38 PM »
...if they are coded exactly the same. IIRC a former member explained pretty clearly why this happens.
FTFY

Offline CS91

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Re: credit score
« Reply #1025 on: September 18, 2015, 12:30:17 AM »
If it caused a 2nd pull you call & have it removed as discussed.

Would Amex tell me how many pulls they did? I know they pulled from Experian so can't use Credit Karma to check how many pulls there were...

Offline TimT

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Re: credit score
« Reply #1026 on: September 18, 2015, 12:32:11 AM »
Would Amex tell me how many pulls they did? I know they pulled from Experian so can't use Credit Karma to check how many pulls there were...
Why not ?

Offline CS91

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Re: credit score
« Reply #1027 on: September 18, 2015, 12:08:20 PM »
Why not ?

Which department is the right one to reach out to? I find that every time I call Amex, I get bounced from dept to dept.

Offline ChaimMoskowitz

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Re: credit score
« Reply #1028 on: September 18, 2015, 12:51:59 PM »
Would Amex tell me how many pulls they did? I know they pulled from Experian so can't use Credit Karma to check how many pulls there were...
Then use http://www.creditsesame.com/
I just found a new supply of forks!

Offline CS91

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Re: credit score
« Reply #1029 on: September 18, 2015, 01:05:26 PM »
Then use http://www.creditsesame.com/

It says I need to pay for Experian. Only giving me Transunion...

Offline ChaimMoskowitz

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Re: credit score
« Reply #1030 on: September 18, 2015, 01:09:37 PM »
It says I need to pay for Experian. Only giving me Transunion...
You can sign up for free and it is a FACO EX score but it will tell you the amount of inquires.
I just found a new supply of forks!

Offline David Smith

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Re: credit score
« Reply #1031 on: September 18, 2015, 01:11:45 PM »
Anyone hear of IDprotect? I think I get it free from one of my banks, is it worth it to sign up?
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
JTZ

Offline CS91

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Re: credit score
« Reply #1032 on: September 18, 2015, 01:18:38 PM »
You can sign up for free and it is a FACO EX score but it will tell you the amount of inquires.

I signed up and all it's giving me is a score for Transunion, and for EX and EQ it's blocked and it's telling me to pay to get those scores.

Also, just called Amex and they said they did 3 pulls (I did a 3BM on 08/13 - two instantly approved, and the third was approved on 8/18). They said they pulled my score twice on 8/13 and then another time on 8/18 (one for each app). I asked them to delete two of them but they said no because there is always one pull for every app. Anyone else ever get this from them when they called?

Offline ChaimMoskowitz

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Re: credit score
« Reply #1033 on: September 18, 2015, 01:21:03 PM »
I signed up and all it's giving me is a score for Transunion, and for EX and EQ it's blocked and it's telling me to pay to get those scores.
Just pulled mine and it is EX.
I just found a new supply of forks!

Offline PETERP

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Re: credit score
« Reply #1034 on: September 18, 2015, 01:53:57 PM »
Just pulled mine and it is EX.

Using creditsesame.com ? 

Offline Thingywingy

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Re: credit score
« Reply #1035 on: September 22, 2015, 01:45:01 PM »
My Amex Fico is showing a 29 point higher score than on Barclays. Who's right?
I am sometimes accused of overthinking things. I am still mulling over whether that accusation has merit.

Offline PETERP

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Re: credit score
« Reply #1036 on: September 22, 2015, 01:47:38 PM »
My Amex Fico is showing a 29 point higher score than on Barclays. Who's right?

Dates ?

Offline Thingywingy

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Re: credit score
« Reply #1037 on: September 22, 2015, 01:56:17 PM »
Amex is of 8/15
Barclay shows as of 8/27
Barclay chart shows my score improving since June, yet never reached the Amex score of 29 points above current Barclay score.
I am sometimes accused of overthinking things. I am still mulling over whether that accusation has merit.

Offline caliheat

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Re: credit score
« Reply #1038 on: September 22, 2015, 02:09:54 PM »
My Amex Fico is showing a 29 point higher score than on Barclays. Who's right?
Amex is EX and Barclays is TU

Offline Thingywingy

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Re: credit score
« Reply #1039 on: September 22, 2015, 02:19:26 PM »
Amex is EX and Barclays is TU
That is the Credit agency they use when processing an application. If they are showing your "FICO" score, they should be the same on both.
I am sometimes accused of overthinking things. I am still mulling over whether that accusation has merit.