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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 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 ExGingi on March 04, 2019, 09:04:57 PM »

Author Topic: credit score  (Read 436165 times)

Offline bubbles

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Re: Re: Re: Re: Re: Re: Re: Credit Score Drop?
« Reply #105 on: January 05, 2012, 10:15:25 AM »

p.s.I'm still not getting where bubbles comes into the picture, I guess people just like to show of they're copy/past/linking skills,

again nothing here is written in a personal matter, I admire you all LOL

I would just like to inform you that I have officially been retained as Mr. HelpMe's legal counsel. Henceforth any negative comments you have directed at my client should be addressed to me.  :P

Offline bubbles

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Re: Re: Re: Re: Re: Re: Re: Credit Score Drop?
« Reply #106 on: January 05, 2012, 10:17:40 AM »

p.s.I'm still not getting where bubbles comes into the picture, I guess people just like to show ofoff they'retheir copy/pastpaste/linking skills,

again nothing here is written in a personal matter, I admire you all LOL

Oh and FTFY

Offline HelpMe

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Re: Re: Re: Re: Re: Re: Re: Credit Score Drop?
« Reply #107 on: January 05, 2012, 10:19:53 AM »
I would just like to inform you that I have officially been retained as Mr. HelpMe's legal counsel. Henceforth any negative comments you have directed at my client should be addressed to me.  :P
Now we are going to have to figure out compensation. Whats your poison? Points, miles or cash back? Please say miles.   ;)
"Elvis Has Left The Building"

Offline creditor

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Re: Re: Re: Re: Re: Re: Re: Re: Credit Score Drop?
« Reply #108 on: January 05, 2012, 11:09:46 AM »
I would just like to inform you that I have officially been retained as Mr. HelpMe's legal counsel. Henceforth any negative comments you have directed at my client should be addressed to me.  :P
although didn't understand the link still u made me laugh :))
I'm just say'in

Offline Dan

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Re: Credit Score Drop?
« Reply #109 on: January 05, 2012, 12:32:57 PM »
Now we are going to have to figure out compensation. Whats your poison? Points, miles or cash back? Please say miles.   ;)
Ha!
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline HelpMe

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Re: Credit Score Drop?
« Reply #110 on: January 05, 2012, 03:37:21 PM »
Ha!
I thought even though I have very limited experience in this area I might be able to come up with a way for bubbles to earn a few miles here and there. Sarah Palin came to mind. What do you think?
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Offline creditor

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Re: Credit Score Drop?
« Reply #111 on: January 07, 2012, 02:11:11 PM »
just saw a score drop from 788 to 768 on my wifes credit score, due to an amex starewood opened on dec/5  I wad told earlier by amex credit bureau reporting unit that they report new accounts 3 months after opening, but in my case it took a month,
anyone got more info on that, like when amex reports,
problem is was about to apply for 2 new chase's but now my credit debt ratio due to this new account is around 16% which lowers the score
I'm just say'in

Offline Jkhein

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Re: Credit Score Drop?
« Reply #112 on: January 07, 2012, 02:24:37 PM »
I wad told earlier by amex credit bureau reporting unit that they report new accounts 3 months after opening, but in my case it took a month,
I dont know if such a department exists at all, but in all my experiences it showed instantly on my credit report, so he might of been pulling your leg...

Offline creditor

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Re: Re: Credit Score Drop?
« Reply #113 on: January 07, 2012, 04:38:18 PM »
I dont know if such a department exists at all, but in all my experiences it showed instantly on my credit report, so he might of been pulling your leg...
this is the dep in amex, handling reporting for the credit bureaus,
so your sayin in your case it was reported as a "new account" straight away, or your talking about the inquiry?
I'm just say'in

Offline chris22

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Re: Credit Score Drop?
« Reply #114 on: January 08, 2012, 02:59:03 AM »
You want to compare FAKO scores. You have to be kidding.

I'm learning a lot from a guy who knows this area pretty well so I'll just quote him on this...

"You are falling for the marketing trap of FICO vs FAKO. There is no such thing. Many lenders have moved away from FICO because they are more expensive than the competitors. What you call FAKOs are not simulated scores but actual scores. Many lenders use them. I will concede that many mortgages still use FICO because Freddie/Fannie wanted a standard risk indicator and FICO was the de facto at the time.

If you look up the entomology on term FAKO, I believe you find that Suze Orman coined the term. Guess what she sells. Don't believe the marketing hype."

"This is such a terrible misconception. I cringe every time I hear it repeated. Sure FICO is the primary score used in a mortgage. That is because Freddie/Fannie require a common benchmark of credit risk.

For every thing else, banks have been moving away from FICO because they are expensive. To suggest other scores are FAKE or simulations is marketing spin from FICO. It is like saying Monster Cables are the only way to watch HD movies. "

So basically these non-FICO scores are every bit as legitimate as FICO and are derived from the same credit information but obviously all having their own unique and ultra-secret method for quantifying that magic number.
Discuss away...

Offline AsherO

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Re: Credit Score Drop?
« Reply #115 on: January 08, 2012, 03:14:51 AM »
Discuss away...

Nothing to discuss, your post discredits itself.
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Offline creditor

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Re: Re: Credit Score Drop?
« Reply #116 on: January 08, 2012, 04:10:19 AM »
I'm learning a lot from a guy who knows this area pretty well so I'll just quote him on this...

"You are falling for the marketing trap of FICO vs FAKO. There is no such thing. Many lenders have moved away from FICO because they are more expensive than the competitors. What you call FAKOs are not simulated scores but actual scores. Many lenders use them. I will concede that many mortgages still use FICO because Freddie/Fannie wanted a standard risk indicator and FICO was the de facto at the time.

If you look up the entomology on term FAKO, I believe you find that Suze Orman coined the term. Guess what she sells. Don't believe the marketing hype."

"This is such a terrible misconception. I cringe every time I hear it repeated. Sure FICO is the primary score used in a mortgage. That is because Freddie/Fannie require a common benchmark of credit risk.

For every thing else, banks have been moving away from FICO because they are expensive. To suggest other scores are FAKE or simulations is marketing spin from FICO. It is like saying Monster Cables are the only way to watch HD movies. "

So basically these non-FICO scores are every bit as legitimate as FICO and are derived from the same credit information but obviously all having their own unique and ultra-secret method for quantifying that magic number.
Discuss away...
as far as cc your wrong in every way, Chase amex as well as all major cc lenders, rely ONLY on FICO,
I'm just say'in

Offline AsherO

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Re: Credit Score Drop?
« Reply #117 on: January 08, 2012, 04:15:43 AM »
as far as cc your wrong in every way, Chase amex as well as all major cc lenders, rely ONLY on FICO,

That's not true, you've even said so yourself recently:

so we know that lenders/cc issuers besides looking at the actual credit score they look at inquiries/late payments/+other factors
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Offline creditor

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Re: Re: Credit Score Drop?
« Reply #118 on: January 08, 2012, 04:22:52 AM »
That's not true, you've even said so yourself recently:
true that they look at a whole bunch of other factors, but as far as the score they look at the FICO score only, the don't use any other score
I'm just say'in

Offline AsherO

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Re: Credit Score Drop?
« Reply #119 on: January 08, 2012, 04:29:36 AM »
true that they look at a whole bunch of other factors, but as far as the score they look at the FICO score only, the don't use any other score

I figured that might be what you meant, but it isn't what you said.
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