Author Topic: What's Your FICO Score? (Read 174575 times)

Boruch999 · « **Reply #640 on:** December 17, 2014, 06:20:47 PM »

Quote from: eli.f on December 17, 2014, 06:13:33 PM

Tell me more about this "Inquiry Removing" service

I call up, get verified and say I think I may have a duplicate credit inquiry. They say "please hold a moment while I transfer you to the dispute dept."

"Can I have their direct # in case I get disconnected?"

"Sorry, we don't have direct # for them."

I tell the guy in disputes, "I think Amex might have pulled on the day of the app and again on the day they approved."

"Let me see, yes I think we can clean that up a little. What's your email address so we can send you confirmation."

(That was todays. Previously I got conf on the spot.)

Email came with a new report #. Not that I need it, thanks to you

eli.f · « **Reply #641 on:** December 17, 2014, 06:23:54 PM »

Quote from: Boruch999 on December 17, 2014, 06:20:47 PM

I call up, get verified and say I think I may have a duplicate credit inquiry. They say "please hold a moment while I transfer you to the dispute dept."

"Can I have their direct # in case I get disconnected?"

"Sorry, we don't have direct # for them."

I tell the guy in disputes, "I think Amex might have pulled on the day of the app and again on the day they approved."

"Let me see, yes I think we can clean that up a little. What's your email address so we can send you confirmation."

(That was todays. Previously I got conf on the spot.)

Email came with a new report #. Not that I need it, thanks to you

Cool. I won't sign up for that, but maybe I should try that directly with EX.

Boruch999 · « **Reply #642 on:** December 17, 2014, 06:32:46 PM »

IME, difficult to impossible to get them to dispute on the phone. Let me know if you find it otherwise.

eli.f · « **Reply #643 on:** December 17, 2014, 06:43:59 PM »

Quote from: Boruch999 on December 17, 2014, 06:32:46 PM

IME, difficult to impossible to get them to dispute on the phone. Let me know if you find it otherwise.

Can be done online. Once I disputed an incorrect address online. Is was very smooth.

But don't they verify the info somehow? What's stopping me from disputing all (or many) of my inquiries?

Boruch999 · « **Reply #644 on:** December 17, 2014, 07:02:13 PM »

For some reason, EX doesn't let me do anything online, not even annualcreditreport.com. It could be if you dispute online they do check with the bank, but on the phone, it seems as long as it's plausible that it's a duplicate, they just delete it. I imagine they wouldn't delete a pull from Chase just because there was a pull from Amex on the same day.

benjie1305 · « **Reply #645 on:** December 18, 2014, 05:24:44 PM »

So I got declined for a freedom, called and got approved and then said that I want to know my credit score. They told me I am not entitled to that bc it was not a determining factor. They said I can call experian for a free credit report but they will probably charge me for the score.

Hmm..I thought I can get my score when denied. I guess not!?

AJK · « **Reply #646 on:** December 18, 2014, 05:35:36 PM »

You can. Go to experian's website.

ChaimMoskowitz · « **Reply #647 on:** December 18, 2014, 05:36:45 PM »

Quote from: AJK on December 18, 2014, 05:35:36 PM

You can. Go to experian's website.

They will give you a score for free?

AJK · « **Reply #648 on:** December 18, 2014, 05:54:38 PM »

Nope. Misread. Report only.

mawmaw · « **Reply #649 on:** December 18, 2014, 06:35:17 PM »

Quote from: AJK on December 18, 2014, 05:54:38 PM

Nope. Misread. Report only.

sir put on your glass please

Yhgfkj · « **Reply #650 on:** December 30, 2014, 04:16:46 AM »

one of my amex accounts is showing my fico credit score online.

eli.f · « **Reply #651 on:** December 30, 2014, 04:18:30 AM »

Quote from: Yhgfkj on December 30, 2014, 04:16:46 AM

one of my amex accounts is showing my fico credit score online.

Which card?
Mind posting a screenshot?

MosheD · « **Reply #652 on:** December 30, 2014, 06:20:28 AM »

My barclay score hasn't updated in a while.
Is this normal?

eli.f · « **Reply #653 on:** December 30, 2014, 06:22:46 AM »

Quote from: MosheD on December 30, 2014, 06:20:28 AM

My barclay score hasn't updated in a while.
Is this normal?

I've yet to figure out what causes it to update. The reps know nothing. Sometimes it takes very long.

etech0 · « **Reply #654 on:** December 30, 2014, 09:56:02 AM »

Quote from: eli.f on December 30, 2014, 04:18:30 AM

Which card?
Mind posting a screenshot?

+1

Barryg · « **Reply #655 on:** January 07, 2015, 12:42:27 PM »

Quote from: benjie1305 on December 08, 2014, 09:19:39 PM

I just got a 7 day free trial at transunion plus after I checked my CR from Annualcreditreport.com.

They work off the new system and I have a 905 (out of 950). I assume that is good. Needed before I go apply very soon.

Can you cancel online?
Do they update daily?

benjie1305 · « **Reply #656 on:** January 07, 2015, 12:47:04 PM »

Quote from: Barryg on January 07, 2015, 12:42:27 PM

Can you cancel online?
Do they update daily?

I cancelled after 3 days bc they work of a new system that I cant really use and with the Barclays card I am happy.

You can cancel online.

Barryg · « **Reply #657 on:** January 07, 2015, 12:51:56 PM »

Quote from: benjie1305 on January 07, 2015, 12:47:04 PM

I cancelled after 3 days bc they work of a new system that I cant really use and with the Barclays card I am happy.

You can cancel online.

Thanks...
Isn't Barclays once a month? Also, that would be just actual score, this seems to be full report including soft hits...

Bump... do they update daily?

benjie1305 · « **Reply #658 on:** January 07, 2015, 12:58:44 PM »

Quote from: Barryg on January 07, 2015, 12:51:56 PM

Thanks...
Isn't Barclays once a month? Also, that would be just actual score, this seems to be full report including soft hits...

Bump... do they update daily?

They do update daily from what I recall. Barclays is random

noturbizniss · « **Reply #659 on:** January 07, 2015, 01:05:26 PM »

Quote from: Barryg on January 07, 2015, 12:51:56 PM

Thanks...
Isn't Barclays once a month? Also, that would be just actual score, this seems to be full report including soft hits...

Bump... do they update daily?

Mine just updated today for the first time in 2 months.

OT - I found a place that lets me do the amounts you mentioned in PM last night. Don't know why i didn't think of those kinds of places right away. Thanks!