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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 850348 times)

Offline CS91

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Re: credit score
« Reply #2700 on: March 29, 2016, 03:18:15 PM »
If you have access to your reports, can you check them to see if the creditor information is identical?
It is. It used to be different (IIRC, different phone numbers). That's why I think something changed that now makes them mergeable.

Offline ExGingi

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Re: credit score
« Reply #2701 on: March 29, 2016, 03:35:38 PM »
AFAIK only citi has. Paypal used to but their gone. Chase does not. I got a citi card couple years ago just for the virtual Numb3rs.
I have Citi Prestige, I went online a few time since you suggested this and tried to get a Virtual Number, but every time I get an error, regardless of whether I try to get one online, or download the app that will give it to me.
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan

Offline Zalc

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Re: credit score
« Reply #2702 on: March 29, 2016, 04:00:30 PM »
I have Citi Prestige, I went online a few time since you suggested this and tried to get a Virtual Number, but every time I get an error, regardless of whether I try to get one online, or download the app that will give it to me.
I just used it a few days ago. Try to Login here

BofA also offers these numbers.

Offline ExGingi

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Re: credit score
« Reply #2703 on: March 29, 2016, 05:16:29 PM »
I just used it a few days ago. Try to Login here
Thanks for the link. I tried logging in using my same online account credentials and what I got is hereby attached (not sure how to insert an image)
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan

Offline Zalc

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Re: credit score
« Reply #2704 on: March 29, 2016, 05:18:44 PM »
Thanks for the link. I tried logging in using my same online account credentials and what I got is hereby attached (not sure how to insert an image)
You may need to enroll in it first. Go here

Offline ExGingi

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Re: credit score
« Reply #2705 on: March 29, 2016, 05:20:37 PM »
You may need to enroll in it first. Go here

Back to square 1:

 We're sorry, we're having technical issues and the system is temporarily unavailable. Please try again later. We apologize for any inconvenience and appreciate your patience. If you continue to receive this error, please call 1-855-472-3251.and refer to Error Code [1075].
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan

Offline Zalc

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Re: credit score
« Reply #2706 on: March 29, 2016, 05:24:03 PM »
Back to square 1:

 We're sorry, we're having technical issues and the system is temporarily unavailable. Please try again later. We apologize for any inconvenience and appreciate your patience. If you continue to receive this error, please call 1-855-472-3251.and refer to Error Code [1075].
Putpac?

Offline ExGingi

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Re: credit score
« Reply #2707 on: March 29, 2016, 05:29:51 PM »
Putpac?
I try to avoid that at (almost) all costs for 2 reasons:

1. It's DW's account.
2. Many times very time consuming, and not as much fun as DDF.
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan

Offline PillanSmye

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Re: credit score
« Reply #2708 on: March 29, 2016, 10:42:08 PM »
It is. It used to be different (IIRC, different phone numbers). That's why I think something changed that now makes them mergeable.

That's Chase screwing with us.  Put up barriers to getting lots of cards, and making the pulls mergeable at the same time.   ;D

Offline CS91

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Re: credit score
« Reply #2709 on: March 29, 2016, 11:05:53 PM »
That's Chase screwing with us.  Put up barriers to getting lots of cards, and making the pulls mergeable at the same time.   ;D
ALOL. They're reading this and laughing.

Offline Zalc

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Re: credit score
« Reply #2710 on: March 29, 2016, 11:42:04 PM »
My Ex was frozen by mistake, and they pulled TU after a few days. (Ink+)

Offline Ydad

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Re: credit score
« Reply #2711 on: March 29, 2016, 11:44:49 PM »
My Ex was frozen by mistake, and they pulled TU after a few days. (Ink+)
Awesome!

Offline noturbizniss

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Re: credit score
« Reply #2712 on: April 01, 2016, 08:26:12 AM »
Why are inquiries from March 2014 still on my experian report today? I I thought they are supposed to fall off at end of month 2 years later?
READ THE DARN WIKI!!!!

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

Offline Mendelssohn

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Re: credit score
« Reply #2713 on: April 01, 2016, 09:17:36 AM »
Why are inquiries from March 2014 still on my experian report today? I I thought they are supposed to fall off at end of month 2 years later?

With EX, they fall off after the first full non-holiday weekend in month 25.

Yes, that's the real answer, not a joke.  lol

Offline noturbizniss

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Re: credit score
« Reply #2714 on: April 01, 2016, 09:23:33 AM »
With EX, they fall off after the first full non-holiday weekend in month 25.

Yes, that's the real answer, not a joke.  lol
Wow and a half! So it should be off on Monday?
Pull was on March 17 2014
So if July 4th was Sunday it would be the next weekend?
READ THE DARN WIKI!!!!

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

Offline Mendelssohn

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Re: credit score
« Reply #2715 on: April 01, 2016, 09:28:24 AM »
yes/yes

Offline noturbizniss

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Re: credit score
« Reply #2716 on: April 01, 2016, 10:42:12 AM »
yes/yes
A2esome thanks! I signed up for the 1.00 trial today to check if the inquiries are off is there any way to vi4w my updated report on Monday? Even if I cancel today it stays viewable for a week but ime the CR won't update until the next trial
READ THE DARN WIKI!!!!

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

Offline Mendelssohn

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Re: credit score
« Reply #2717 on: April 01, 2016, 10:44:39 AM »
You'd have to wait until the next trial.

Check the EX backdoor if you have a report number, or just call them.
« Last Edit: April 01, 2016, 10:53:04 AM by Mendelssohn »

Offline noturbizniss

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Re: credit score
« Reply #2718 on: April 01, 2016, 11:34:26 AM »
You'd have to wait until the next trial.

Check the EX backdoor if you have a report number, or just call them.
Backdoor?
If I call I cN just ask them to check my report?
READ THE DARN WIKI!!!!

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

Offline ari2955

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Re: credit score
« Reply #2719 on: April 01, 2016, 11:40:20 AM »
I can't seem to get EX to merge pulls from Amex.

Have pulls on 03/21, 03/22, 03/23, 03/30.

Tried already 3 times, and they just say can't be merged or need latter from Amex..

Any ideas?