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 810844 times)

Offline @Yehuda

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Re: credit score
« Reply #300 on: October 19, 2014, 07:34:35 PM »

Offline avrumy22

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Re: credit score
« Reply #301 on: October 20, 2014, 12:25:34 AM »
Just got a letter from chase from an INK card that I got denied from (recon approved it). On it it says a credit score.

Fico or Fako?

Offline Centro

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Re: credit score
« Reply #302 on: October 20, 2014, 12:27:47 AM »
Just got a letter from chase from an INK card that I got denied from (recon approved it). On it it says a credit score.

Fico or Fako?
FICO

Offline avrumy22

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Re: credit score
« Reply #303 on: October 20, 2014, 12:37:08 AM »
FICO

Oh baby!!!! My score is higher then expected!

Offline ChaimMoskowitz

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Re: credit score
« Reply #304 on: October 20, 2014, 02:25:57 AM »
Oh baby!!!! My score is higher then expected!
Does it say FICO anywhere?
I just found a new supply of forks!

Offline Yitzshpitz

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Re: credit score
« Reply #305 on: October 20, 2014, 10:09:04 AM »
Does getting denied hurt your credit score?

Offline TimT

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Re: credit score
« Reply #306 on: October 20, 2014, 10:10:21 AM »
Does getting denied hurt your credit score?
When you apply your credit score goes down. Doesn't matter if you get approved or denied.

Offline noturbizniss

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Re: credit score
« Reply #307 on: October 20, 2014, 11:35:06 AM »
Does it say FICO anywhere?
I got one of those. Its one of the new FICO scores. Don't recall all the details, i think i posted about it somewhere...

Found it
My wife got declined for 1/2 chase ink cards and just got the letter today. IT says it's a FIco score, but the range is 250-900.  What's going on here?  Wikipedia says
Quote
The FICO bankcard score and FICO auto-enhanced score are between 250 and 900.

READ THE DARN WIKI!!!!

Chuck Norris...
...can still do FT method
...READS THE WIKI!!!

Offline avrumy22

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Re: credit score
« Reply #308 on: October 20, 2014, 11:42:18 AM »
Does it say FICO anywhere?

Yes. Same letter as above.

Offline ChaimMoskowitz

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Re: credit score
« Reply #309 on: October 20, 2014, 12:12:34 PM »
Yes. Same letter as above.
Ok but can it be your score is higher than expected because they are using a different scale?  ;)
I just found a new supply of forks!

Offline avrumy22

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Re: credit score
« Reply #310 on: October 20, 2014, 12:21:55 PM »
Ok but can it be your score is higher than expected because they are using a different scale?  ;)

hmmmm... we need a pro to chime in.

Offline efflpetzel

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Re: credit score
« Reply #311 on: October 20, 2014, 12:31:18 PM »
Just wondering, if I use a 0 APR card for spending & make only minimum payments how will that affect my credit score?

Offline Mordyk

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Re: credit score
« Reply #312 on: October 20, 2014, 12:32:44 PM »
where can i get the free credit score after signing up for a new chase card?
#TYH

Offline ChaimMoskowitz

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Re: credit score
« Reply #313 on: October 20, 2014, 12:32:54 PM »
Just wondering, if I use a 0 APR card for spending & make only minimum payments how will that affect my credit score?
Your score will go down. How much, nobody knows.
I just found a new supply of forks!

Offline Mordyk

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Re: credit score
« Reply #314 on: October 20, 2014, 12:33:23 PM »
Just wondering, if I use a 0 APR card for spending & make only minimum payments how will that affect my credit score?

credit to debt ratio may be high. doesnt matter on the interest
#TYH

Offline Ephraimh

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Re: credit score
« Reply #315 on: October 20, 2014, 01:39:26 PM »

Just wondering, if I use a 0 APR card for spending & make only minimum payments how will that affect my credit score?
Your score will go down. How much, nobody knows.
-1
As long the minimum payments are made and the debt to credit ratio is healthy, your score won't be affected.

Offline Joe4007

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Re: credit score
« Reply #316 on: October 20, 2014, 01:42:40 PM »
-1
As long the minimum payments are made and the debt to credit ratio is healthy, your score won't be affected.
When someone asks a question like that, he isn't intending to use 10% of that cards line.

Offline ChaimMoskowitz

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Re: credit score
« Reply #317 on: October 20, 2014, 01:45:30 PM »
As long the minimum payments are made and the debt to credit ratio is healthy, your score won't be affected.
What % you talking about?
I just found a new supply of forks!

Offline Ephraimh

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Re: credit score
« Reply #318 on: October 20, 2014, 01:47:21 PM »

When someone asks a question like that, he isn't intending to use 10% of that cards line.
If that's the case, his question should've been "if I'm planning on maxing out my card(s), will my score take a hit? To which the answer is obviously  "yes"..

But that wasn't what he asked

Offline Ephraimh

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Re: credit score
« Reply #319 on: October 20, 2014, 01:49:25 PM »

What % you talking about?
Credit utilization