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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 862410 times)

Online hide4

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Re: credit score
« Reply #2200 on: January 21, 2016, 07:16:31 PM »
Quote from: emjee on January 21, 2016, 07:10:06 PM
So use that
Quote from: David Smith on January 21, 2016, 07:13:04 PM
Yes, you can view your EX 08 with all amex cards. Go to your online login, and one of the options should be to view your FICO score.
And that's with no pull?
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Offline David Smith

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Re: credit score
« Reply #2201 on: January 21, 2016, 07:17:07 PM »
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Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
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Re: credit score
« Reply #2202 on: January 21, 2016, 07:17:45 PM »
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Offline ya

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Re: credit score
« Reply #2203 on: January 21, 2016, 07:18:39 PM »
Quote from: hide4 on January 21, 2016, 07:16:31 PM
And that's with no pull?
Checking your own credit is only a soft pull
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Offline David Smith

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Re: credit score
« Reply #2204 on: January 21, 2016, 07:19:30 PM »
Quote from: hide4 on January 21, 2016, 07:17:45 PM
Thanks!
Barclays and discover cards should give you TU, if you have any of those.
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Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
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Re: credit score
« Reply #2205 on: January 21, 2016, 07:21:25 PM »
Quote from: ya on January 21, 2016, 07:18:39 PM
Checking your own credit is only a soft pull
Around how many points is a soft pull?
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Offline David Smith

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Re: credit score
« Reply #2206 on: January 21, 2016, 07:21:53 PM »
Quote from: hide4 on January 21, 2016, 07:21:25 PM
Around how many points is a soft pull?
Zero effect whatsoever on your score.
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Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
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Offline ya

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Re: credit score
« Reply #2207 on: January 21, 2016, 07:21:55 PM »
Quote from: hide4 on January 21, 2016, 07:21:25 PM
Around how many points is a soft pull?
U don't loose any on a soft pull
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Re: credit score
« Reply #2208 on: January 21, 2016, 07:22:37 PM »
Quote from: ya on January 21, 2016, 07:21:55 PM
U don't loose any on a soft pull
Should I care at all to get a soft pull?
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Re: credit score
« Reply #2209 on: January 21, 2016, 07:23:18 PM »
Quote from: hide4 on January 21, 2016, 07:22:37 PM
Should I care at all to get a soft pull?
I do it every week.  No effect on your score.
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Offline David Smith

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Re: credit score
« Reply #2210 on: January 21, 2016, 07:23:27 PM »
BTW, for the record, amex isn't performing even a soft pull when you are checking your score. They are showing you the results of the most recent soft pull that they already did.
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Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
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Re: credit score
« Reply #2211 on: January 21, 2016, 07:23:47 PM »
Quote from: ya on January 21, 2016, 07:23:18 PM
I do it every week.  No effect on your score.
Alright. Thanks!
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Offline Mendelssohn

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Re: credit score
« Reply #2212 on: January 21, 2016, 09:00:49 PM »
Quote from: hide4 on January 21, 2016, 07:22:37 PM
Should I care at all to get a soft pull?

Creditors can't even see SPs. It's only on the consumer report.
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Offline newdealseeker

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Re: credit score
« Reply #2213 on: January 21, 2016, 10:04:18 PM »
Quote from: David Smith on January 21, 2016, 07:23:27 PM
BTW, for the record, amex isn't performing even a soft pull when you are checking your score. They are showing you the results of the most recent soft pull that they already did.
Why would they have soft pulls every month???? ???
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Re: credit score
« Reply #2214 on: January 21, 2016, 10:24:55 PM »
Quote from: newdealseeker on January 21, 2016, 10:04:18 PM
Why would they have soft pulls every month???? ???
For example if they want to raise your credit line or pre approve you for dif. cards, I imagine.
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Offline David Smith

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Re: credit score
« Reply #2215 on: January 21, 2016, 10:36:06 PM »
Quote from: newdealseeker on January 21, 2016, 10:04:18 PM
Why would they have soft pulls every month???? ???
Just because you were approved doesn't mean that they don't keep tabs on you to make sure that you're maintaining your creditworthiness.
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Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
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Re: credit score
« Reply #2216 on: January 21, 2016, 10:52:39 PM »
Quote from: David Smith on January 21, 2016, 10:36:06 PM
Just because you were approved doesn't mean that they don't keep tabs on you to make sure that you're maintaining your creditworthiness.
They would shut you down if your not creditworthiness?
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Offline noturbizniss

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Re: credit score
« Reply #2217 on: January 21, 2016, 11:38:26 PM »
Quote from: hide4 on January 21, 2016, 10:52:39 PM
They would shut you down if your not creditworthiness?
Definitely. If you suddenly defaulted on a bunch of loans and lost your job they may cancel you
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Re: credit score
« Reply #2218 on: January 21, 2016, 11:39:02 PM »
Quote from: hide4 on January 21, 2016, 10:52:39 PM
They would shut you down if your not creditworthiness?
They could do anything they want.
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Offline newdealseeker

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Re: credit score
« Reply #2219 on: January 24, 2016, 12:42:41 PM »
Interesting find. I looked through my credit report at my individual credit cards. I noticed on 2 cards that my high balance is much higher than the total credit limit. I realized that those are cards that I moved away credit from to other cards.
Is this a negative? That it seems that I've far exceeded my credit limit?
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