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 809668 times)

Offline JACKBLUE

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Re: credit score
« Reply #3620 on: April 07, 2017, 06:46:03 PM »
How many points do you lose every time they pull your credit?
theres no exact number for that.

Offline as2

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Re: credit score
« Reply #3621 on: April 07, 2017, 06:49:43 PM »
FICO probably didn't change much at all.

Look at the graphs I put in the wiki showing ck jumping all over and fico barely moving. Ck is utter garbage and useless. Does more harm then good. It's OK for monitoring ur report but useless for actual score. +1
Thanks! Already back up close to 40 points on CK.
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Offline jack12

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Re: credit score
« Reply #3622 on: April 13, 2017, 03:44:59 PM »
Capital One offered me free credit monitoring with Credit Wise - https://creditwise.capitalone.com. Is the number that it gives me accurate?

Offline Emkay

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Re: credit score
« Reply #3623 on: April 13, 2017, 04:08:31 PM »


Already back up close to 40 points on CK.

Still means nothing.

Offline JACKBLUE

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Re: credit score
« Reply #3624 on: April 13, 2017, 04:32:53 PM »
Capital One offered me free credit monitoring with Credit Wise - https://creditwise.capitalone.com. Is the number that it gives me accurate?
Fako

Offline noturbizniss

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Re: credit score
« Reply #3625 on: April 13, 2017, 09:37:38 PM »

Still means nothing.
Think the point was that it clearly is bs score
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Offline PillanSmye

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Re: credit score
« Reply #3626 on: April 17, 2017, 05:06:06 PM »
Think the point was that it clearly is bs score
People who post CK skores in credit forums should be banned

Offline as2

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Re: credit score
« Reply #3627 on: April 18, 2017, 10:11:42 PM »
People who post CK skores in credit forums should be banned
People who spell score with a "k" should be banned as well! To be fair I never posted my CK score.
Memories last forever, make them while you can.

Offline yitrap

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Re: credit score
« Reply #3628 on: April 19, 2017, 04:10:22 PM »

Offline S209

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Re: credit score
« Reply #3629 on: April 19, 2017, 04:16:23 PM »
Wow. if that's true, that could really be a big deal. any other reports on this? That affects me as a credit consultant big time..
Quote from: YitzyS
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Offline CreamofSoup

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Re: credit score
« Reply #3630 on: April 19, 2017, 04:27:50 PM »
Wow. if that's true, that could really be a big deal. any other reports on this? That affects me as a credit consultant big time..
As someone looking to buy a house early next year with a lot of open credit I'm a little concerned that the (supposed) changes would affect my score just before I try to buy...

Offline S209

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Re: credit score
« Reply #3631 on: April 19, 2017, 04:30:24 PM »
Presumably, even if the changes go into effect as reported, it shouldn't be too hard to "fix" your score quickly, by lowering your limit. It'll probably be similar to a utilization "fix", only easier, if anything
Quote from: YitzyS
Quotes in a signature is annoying, as it comes across as an independent post.

Offline CreamofSoup

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Re: credit score
« Reply #3632 on: April 19, 2017, 04:32:09 PM »
Presumably, even if the changes go into effect as reported, it shouldn't be too hard to "fix" your score quickly, by lowering your limit. It'll probably be similar to a utilization "fix", only easier, if anything

Very good point

Offline Yehuda@18

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Re: credit score
« Reply #3633 on: April 19, 2017, 04:33:22 PM »
http://onemileatatime.boardingarea.com/2017/04/19/credit-score-changes-2017/?utm_sourcemedium=Twitter

Any truth to this? Particularly the large credit limit aspect.
Wow. if that's true, that could really be a big deal. any other reports on this? That affects me as a credit consultant big time..
I guess you missed this part: The changes will be implemented later this year by VantageScore  :)

Offline mmgfarb

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Re: credit score
« Reply #3634 on: April 19, 2017, 06:10:08 PM »
I guess you missed this part: The changes will be implemented later this year by VantageScore  :)
This. Almost nobody that we care about uses VantageScore for approvals, it's almost all FICO.
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Offline noturbizniss

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READ THE DARN WIKI!!!!

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...READS THE WIKI!!!

Offline ybeeds

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Offline ybeeds

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Re: credit score
« Reply #3637 on: April 20, 2017, 09:34:27 AM »
This. Almost nobody that we care about uses VantageScore for approvals, it's almost all FICO.
Seems more lenders are supposedly adapting this method.
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Offline mmgfarb

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Re: credit score
« Reply #3638 on: April 20, 2017, 09:35:52 AM »
Seems more lenders are supposedly adapting this method.
Name one
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Offline ybeeds

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Re: credit score
« Reply #3639 on: April 20, 2017, 09:44:51 AM »
Name one
All three credit bureaus have this embedded in their system.
Read more here:
https://www.vantagescore.com/who-uses-our-model
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