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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 809512 times)

Offline ChaimMoskowitz

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Re: credit score
« Reply #320 on: October 20, 2014, 01:50:50 PM »
Credit utilization
That was not my question. What % do you consider healthy? Also are you talking overall or on one card?
I just found a new supply of forks!

Offline Joe4007

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Re: credit score
« Reply #321 on: October 20, 2014, 01:51:03 PM »

Offline Ephraimh

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Re: credit score
« Reply #322 on: October 20, 2014, 01:53:04 PM »

That was not my question. What % do you consider healthy? Also are you talking overall or on one card?
Under 20% (under 10% even better)

And FICO (unlike vantage) looks at both overall & individually

Offline ChaimMoskowitz

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Re: credit score
« Reply #323 on: October 20, 2014, 01:55:25 PM »
Under 20% (under 10% even better)
Then your original statement is wrong. If you use 19% of your CL on a card or overall your score will see a decrease.
I just found a new supply of forks!

Offline Ephraimh

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Re: credit score
« Reply #324 on: October 20, 2014, 01:58:58 PM »

Then your original statement is wrong. If you use 19% of your CL on a card or overall your score will see a decrease.
SOIDH

Offline ChaimMoskowitz

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Re: credit score
« Reply #325 on: October 20, 2014, 02:01:18 PM »
SOIDH
I will let the DDF members decide who knows what they are talking about.  :)
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Offline Ephraimh

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Re: credit score
« Reply #326 on: October 20, 2014, 02:04:42 PM »

I will let the DDF members decide who knows what they are talking about.  :)

I still remember you from your previous "gilgul" (I'll let the other DDF members understand that word...)
But I still disagree with ya, with all due respect of course..

Offline Boruch999

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Re: Credit Score Drop?
« Reply #327 on: October 20, 2014, 02:05:45 PM »
Barclays is not a FAKO.
Its your Fico based on your TU report.
+1.  My Credit Karma TU score and my Barclays TU score are currently identical.

Offline ChaimMoskowitz

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Re: credit score
« Reply #328 on: October 20, 2014, 02:07:34 PM »
I still remember you from your previous "reincarnation"
FTFY  :P
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Offline Ephraimh

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Re: credit score
« Reply #329 on: October 20, 2014, 02:07:56 PM »

Offline Mordyk

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Re: Credit Score Drop?
« Reply #330 on: October 20, 2014, 02:08:24 PM »
+1.  My Credit Karma TU score and my Barclays TU score are currently identical.
if i wouldve know this info yesterday...  i saw on Barclay that i had a 21 point drop. fast went to pull my credit report and saw thats its not my real score
#TYH

Offline efflpetzel

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Re: credit score
« Reply #331 on: October 20, 2014, 02:08:24 PM »

Then your original statement is wrong. If you use 19% of your CL on a card or overall your score will see a decrease.
why,
Isn't under 30% ok?

Offline TimT

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Re: credit score
« Reply #332 on: October 20, 2014, 02:09:26 PM »
why,
Isn't under 30% ok?
Dan always writes to keep it under 10%.

Offline ChaimMoskowitz

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Re: credit score
« Reply #333 on: October 20, 2014, 02:10:45 PM »
why,
Isn't under 30% ok?
I never said it wasn't OK just that your score will drop. I have been at 80% overall and 100% on some cards and my score was OK.
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Offline Ephraimh

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credit score
« Reply #334 on: October 20, 2014, 02:11:09 PM »
Dan always writes to keep it under 10%.
+1
Or as per lots of FAKO providers, under 20%.

Offline ChaimMoskowitz

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Re: credit score
« Reply #335 on: October 20, 2014, 02:13:51 PM »
10%, 20%, or 30% it is different for everyone. It all depends on your credit profile. The longer and thicker your file is the more you can get away with.
I just found a new supply of forks!

Offline reed

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Re: credit score
« Reply #336 on: October 24, 2014, 11:53:48 AM »
So a couple of weeks ago i checked all 3 of my credit reports, saw some negative info there one from a collection agency and one from verizon. I called up the collection agency as well as verizon and they said they will delete from report. They sent me an email with an official letter stating that they were deleting from report.

My question is I want to check to see that it is really off: 1. How long should I give them before I check. and 2: Being that I already got my 3 reports for free where can I check my reports again for little or no money?

Offline etech0

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Re: credit score
« Reply #337 on: October 24, 2014, 11:59:16 AM »
So a couple of weeks ago i checked all 3 of my credit reports, saw some negative info there one from a collection agency and one from verizon. I called up the collection agency as well as verizon and they said they will delete from report. They sent me an email with an official letter stating that they were deleting from report.

My question is I want to check to see that it is really off: 1. How long should I give them before I check. and 2: Being that I already got my 3 reports for free where can I check my reports again for little or no money?
Read the chase recon thread; posts from a few days ago. You can get experian for free again.
Workflowy. You won't know what you're missing until you try it.

Offline reed

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Re: credit score
« Reply #338 on: October 24, 2014, 12:02:11 PM »
Read the chase recon thread; posts from a few days ago. You can get experian for free again.

How about EQ and TU anyway?

Offline etech0

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Re: credit score
« Reply #339 on: October 24, 2014, 12:08:43 PM »
How about EQ and TU anyway?
AFAIK Discover and Barclay will give you one of them on your statements/online. TU maybe? I don't remember.
Workflowy. You won't know what you're missing until you try it.