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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 »

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Author Topic: credit score  (Read 839028 times)

Offline Elite1

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Re: credit score
« Reply #2960 on: June 07, 2016, 05:12:38 PM »
Quote from: Mendylab on June 07, 2016, 10:33:26 AM
So I guess I have to redispute it?

Obviously the bureaus accepted Verizons response as legit. You need some argument being stronger than your first.
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Offline Freddie

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Re: credit score
« Reply #2961 on: June 08, 2016, 02:01:26 PM »
Hey, guys. Remember a couple weeks ago I was trying to figure out why my score suddenly TANKED out of nowhere with no unusual or new kinds of use?

Well, now it just SHOT UP higher than ever. Look at this score history from Citi.
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Offline yochiek93

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Re: credit score
« Reply #2962 on: June 08, 2016, 02:08:39 PM »
Quote from: Freddie on June 08, 2016, 02:01:26 PM
Hey, guys. Remember a couple weeks ago I was trying to figure out why my score suddenly TANKED out of nowhere with no unusual or new kinds of use?

Well, now it just SHOT UP higher than ever. Look at this score history from Citi.
Good for you
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Offline Freddie

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Re: credit score
« Reply #2963 on: June 08, 2016, 02:09:29 PM »
Thanks. But I am trying to understand it. I really haven't been doing anything different.
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Offline JTZ

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Re: credit score
« Reply #2964 on: June 08, 2016, 03:34:08 PM »
Quote from: Freddie on June 08, 2016, 02:09:29 PM
Thanks. But I am trying to understand it. I really haven't been doing anything different.
Maybe nothing really happened and it was just a glitch?
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Offline Zalc

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Re: credit score
« Reply #2965 on: June 08, 2016, 04:05:25 PM »
Quote from: Freddie on June 08, 2016, 02:01:26 PM
Hey, guys. Remember a couple weeks ago I was trying to figure out why my score suddenly TANKED out of nowhere with no unusual or new kinds of use?

Well, now it just SHOT UP higher than ever. Look at this score history from Citi.
Quote from: David Smith on May 26, 2016, 01:02:23 PM
Rebucketing, some would say.

Maybe it has to do with this ^ ?

Can rebucketing temporarily drop your score?

Can someone more knowledgeable please chime in?
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Offline JTZ

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Re: credit score
« Reply #2966 on: June 08, 2016, 04:44:27 PM »
Quote from: Zalc on June 08, 2016, 04:05:25 PM
Maybe it has to do with this ^ ?

Can rebucketing temporarily drop your score?

Can someone more knowledgeable please chime in?
This isn't re-bucketing related but I will defer to the experts.
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Offline ydf

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Re: credit score
« Reply #2967 on: June 09, 2016, 01:01:49 PM »
is a quote for (car) insurance a hard pull or soft pull?
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Offline Freddie

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Re: credit score
« Reply #2968 on: June 09, 2016, 01:09:03 PM »
Quote from: JTZ on June 08, 2016, 03:34:08 PM
Maybe nothing really happened and it was just a glitch?

A glitch that happened with all bureaus? I saw a dive in my score from Citi, Amex, and Barclay. That's at least 2 of the 3 CBs.
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Offline JTZ

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Re: credit score
« Reply #2969 on: June 09, 2016, 01:16:34 PM »
Quote from: Freddie on June 09, 2016, 01:09:03 PM
A glitch that happened with all bureaus? I saw a dive in my score from Citi, Amex, and Barclay. That's at least 2 of the 3 CBs.
Does seem odd. You can either forget about it or if you have CR's from before, during and after we can figure it out.
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Offline noturbizniss

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Re: credit score
« Reply #2970 on: June 09, 2016, 01:33:36 PM »
Well that's very wierd - my citi score went down 100 points in may.  very very very strange. off to check my experian report

and experian is 806. citi shows eq as 705. although they are different models...
« Last Edit: June 09, 2016, 01:54:07 PM by noturbizniss »
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Offline ya

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Re: credit score
« Reply #2971 on: June 09, 2016, 01:35:03 PM »
Quote from: ydf on June 09, 2016, 01:01:49 PM
is a quote for (car) insurance a hard pull or soft pull?
soft. if any..
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Offline Geshmak25

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Re: credit score
« Reply #2972 on: June 10, 2016, 01:48:01 PM »
Quote from: Geshmak25 on May 19, 2016, 01:02:36 PM
My credit score listed on Amex dropped by almost 30 points this month (high 700s to mid 700s). Can that solely be attributed to opening new accounts and closing others? I opened at least 4 cards within that timeframe.
Really strange - went back up 17 points this month. Not understanding the fluctuation but whatever.
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Offline MrPrime1

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Re: credit score
« Reply #2973 on: June 10, 2016, 02:20:23 PM »
just logged into credit karma to review my CR and noticed that my FAKO jumped about 40 points, didnt think much of it until i saw that all of my inquires on my TU have been removed. weird part is most of them are less than a year old. could it just be a glitch on CKs side?
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Offline Emkay

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Re: credit score
« Reply #2974 on: June 13, 2016, 03:44:53 PM »


Quote from: MrPrime1 on June 10, 2016, 02:20:23 PM
just logged into credit karma to review my CR and noticed that my FAKO jumped about 40 points, didnt think much of it until i saw that all of my inquires on my TU have been removed. weird part is most of them are less than a year old. could it just be a glitch on CKs side?

Check your real credit report.
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Offline B.D.Da'ehu

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Re: credit score
« Reply #2975 on: June 22, 2016, 03:00:47 AM »
I haven't read up on this area much, but why would there be a 40 point differential between my experian report provided by USAA and the free amex fico score?
« Last Edit: June 22, 2016, 04:56:25 AM by B.D.Da'ehu »
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Offline myi

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Re: credit score
« Reply #2976 on: June 22, 2016, 03:51:00 AM »
Quote from: B.D.Da'ehu on June 22, 2016, 03:00:47 AM
I haven't read up on this area much, but why would there be a 40 point differential between my experian report provided by and the free amex fico score?
The whole fico score seemed funny, that it changes every other mnth to higher numbers lower numbers! (seems like a trampoline),btw where is the fico based on(from)? the card which is giving you the score or on your whole spending (all your cc)?
   When does the next year to check your CR start the year from when you chcked them or at the beg of the year (jan1)? 
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Offline B.D.Da'ehu

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Re: credit score
« Reply #2977 on: June 22, 2016, 04:58:38 AM »
Quote from: myi on June 22, 2016, 03:51:00 AM
The whole fico score seemed funny, that it changes every other mnth to higher numbers lower numbers! (seems like a trampoline),btw where is the fico based on(from)? the card which is giving you the score or on your whole spending (all your cc)?
   When does the next year to check your CR start the year from when you chcked them or at the beg of the year (jan1)?
I wonder too. Also my credit karma scores are right in line with my real experian from USAA, while the fico by amex is way lower.
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Offline David Smith

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Re: credit score
« Reply #2978 on: June 22, 2016, 07:13:15 AM »
Quote from: B.D.Da'ehu on June 22, 2016, 04:58:38 AM
I wonder too. Also my credit karma scores are right in line with my real experian from USAA, while the fico by amex is way lower.
When was amex last updated?
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Offline B.D.Da'ehu

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Re: credit score
« Reply #2979 on: June 22, 2016, 07:14:19 AM »
Quote from: David Smith on June 22, 2016, 07:13:15 AM
When was amex last updated?
Recently.
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