Author Topic: CreditKarma.com - Free Credit Score (FAKO) (Read 92854 times)

I was just arguing with Citi recon, and they couldn't tell me a reason why I was rejected other than they have a scoring system in place to decide and that I didn't qualify based on that, when I asked what my score came up to be they refused to tell me any info saying it's internal info and for privacy reasons can't be shared even with me! they wouldn't even tell me how many accounts I have open according to their (experian) report!

lybbtthl · « **Reply #107 on:** November 09, 2011, 12:59:28 AM »

Quote from: AJK on November 09, 2011, 12:54:23 AM

FICO.

Banks don't deal with FAKO

I wonder if there is anyway for the bank to give you a FICO without applying and getting rejected!

AJK · « **Reply #108 on:** November 09, 2011, 01:01:03 AM »

Quote from: lybbtthl on November 09, 2011, 12:59:28 AM

I wonder if there is anyway for the bank to give you a FICO without applying and getting rejected!

What reason would they even have to have your recent/updated FICO score otherwise?

lybbtthl · « **Reply #109 on:** November 09, 2011, 01:02:22 AM »

Quote from: AJK on November 09, 2011, 01:01:03 AM

What reason would they even have to have your recent/updated FICO score otherwise?

Good point!
do you think if i got approved there would be anyway to get it from them?

AJK · « **Reply #110 on:** November 09, 2011, 01:03:03 AM »

Quote from: lybbtthl on November 09, 2011, 01:02:22 AM

Good point!
do you think if i got approved there would be anyway to get it from them?

IMHO, extremely unlikely.

AsherO · « **Reply #111 on:** November 09, 2011, 01:04:59 AM »

Quote from: AJK on November 09, 2011, 01:01:03 AM

What reason would they even have to have your recent/updated FICO score otherwise?

Don't (some?) issuers soft-pull periodically?

Quote from: lybbtthl on November 09, 2011, 01:02:22 AM

do you think if i got approved there would be anyway to get it from them?

You can call and ask, YMMV IMHO.

lybbtthl · « **Reply #112 on:** November 09, 2011, 01:05:46 AM »

Quote from: AsherO on November 09, 2011, 01:04:59 AM

Don't (some?) issuers soft-pull periodically?

You can call and ask, YMMV IMHO.

a soft pull gets them a (FICO) score?

AJK · « **Reply #113 on:** November 09, 2011, 01:06:27 AM »

Quote from: AsherO on November 09, 2011, 01:04:59 AM

Don't (some?) issuers soft-pull periodically?

Good point. So they say. Not sure if they pull the score though or just the report.

AsherO · « **Reply #114 on:** November 09, 2011, 01:10:38 AM »

Quote from: lybbtthl on November 09, 2011, 01:05:46 AM

a soft pull gets them a (FICO) score?

Quote from: AJK on November 09, 2011, 01:06:27 AM

Good point. So they say. Not sure if they pull the score though or just the report.

It might, and might vary by bank.

To be fair, I'm not sure if soft-pulls are as common now that universal-default was outlawed (or 'out-ruled'

) BH.

bubbles · « **Reply #115 on:** November 09, 2011, 01:12:13 AM »

Quote from: AsherO on November 09, 2011, 01:04:59 AM

Don't (some?) issuers soft-pull periodically?

And some more then that. I haven't had a cap one card for over 4 years now and they still pull my report every two weeks (for preapproved offers I guess)

AJK · « **Reply #116 on:** November 09, 2011, 01:12:49 AM »

Quote from: AsherO on November 09, 2011, 01:10:38 AM

It might, and might vary by bank.

To be fair, I'm not sure if soft-pulls are as common now that universal-default was outlawed (or 'out-ruled' ) BH.

I can't speak to if they are as common, but they definitely still happen. Just checked my EX report from EX.com a couple months ago and there were many soft pulls.

scwam · « **Reply #117 on:** November 09, 2011, 01:59:25 AM »

Now even banks that you apply for credit all using Equifax can even have different "FICO" scores. In my case within about 7 days I had went to 3 banks and Toyota Financing to apply for 1 card and auto loans. First I applied for a card and was told my FICO was 780, within a few days of that I got scores of 792, 788, and lastly 819 from Toyota. All claimed from Equifax. Oddly the higher scores were after the credit card inquiry when I was told 780. I had maybe 1 other card at that time so I doubt my report had been updated over the week to account for the variances.

AsherO · « **Reply #118 on:** November 09, 2011, 02:02:22 AM »

Quote from: scwam on November 09, 2011, 01:59:25 AM

Now even banks that you apply for credit all using Equifax can even have different "FICO" scores. In my case within about 7 days I had went to 3 banks and Toyota Financing to apply for 1 card and auto loans. First I applied for a card and was told my FICO was 780, within a few days of that I got scores of 792, 788, and lastly 819 from Toyota. All claimed from Equifax. Oddly the higher scores were after the credit card inquiry when I was told 780. I had maybe 1 other card at that time so I doubt my report had been updated over the week to account for the variances.

Maybe your utilization dropped or something. AFAIK with loans they consider all pulls within 30 days as one pull.

HelpMe · « **Reply #119 on:** November 09, 2011, 02:07:57 AM »

Remember that FICO has many different flavor of scores that are used. One for CC’s, auto loans and mortgages are just a few. Not all banks use FICO scores. Some have their own internal scores they go by.