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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 436117 times)

Offline mancunian

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Re: Credit Score Drop?
« Reply #135 on: January 11, 2012, 03:09:33 PM »
not reading through the whole thread... but if this wasn't answered yet:

if your credit was taken from a visa platinum (for example) to a signature, it may no longer be in your total credit calculation (on FICO too). happened to me
you can have (for example) $40k credit. FICO shows $20k and 50% utilization....
i think

Offline jimmy1

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Re: Credit Score Drop?
« Reply #136 on: January 11, 2012, 07:13:29 PM »
applied for CHASE SP< got 2 pulls, 1 from EQUIFAX as CHASE and 1 from transunion as FIRST USA.
 won't try another chase card for  next 12 months.

Offline yaacov37

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Re: Credit Score Drop?
« Reply #137 on: January 12, 2012, 06:13:23 PM »
hi
i just had my SSN 2month ago , i apply 1 month ago for the chase freedom and amex SPG and they denied.
i would like to know which credit card i can get it first?

Offline miamiles

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Re: Credit Score Drop?
« Reply #138 on: January 12, 2012, 06:45:23 PM »
inquiry will lower....but once charged and paid back...wil go higher than before

Offline lcyitz

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Re: Credit Score Drop?
« Reply #139 on: January 12, 2012, 06:56:26 PM »
hi
i just had my SSN 2month ago , i apply 1 month ago for the chase freedom and amex SPG and they denied.
i would like to know which credit card i can get it first?
what you wanna do is become an au on lets say a citi card then that would boost your credit than you can try and apply for a citi a month later or try a store card i.e gap. this is all as far as i know (might wanna  confirm with a pro) 

Offline jimmy1

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Re: Credit Score Drop?
« Reply #140 on: January 12, 2012, 08:17:37 PM »
it is strange that payments are not reported to credit bureaus  for  weeks. I made all the card payments over 2 weeks ago and have 0 balance but my latest updated  credit report shows them as balance due.  I always pay balances before due dates to keep  my CL high.

My scores have dropped  few points due to few HARD INQUIRIES in the last 8 months but the recent payments should have reflected on my credit report and they are not.
 
what's happening?

I got the latest updates reports and scores yesterday/

Offline A European

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Re: credit score
« Reply #141 on: May 05, 2013, 09:28:48 PM »
Is that a problem ?

Offline MEIR613

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Re: credit score
« Reply #142 on: May 05, 2013, 09:29:18 PM »

Offline nobiggy

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Re: credit score
« Reply #143 on: May 05, 2013, 10:41:01 PM »
I don't know about AMEX, but Citi's identity monitor's 3 fico scores are the real deal.
Yes, I've gotten the free month at least 6 times already.

I just did citi and it says my EX is unrated and my others are like 720 seems weird.

Offline Dave321

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Re: credit score
« Reply #144 on: September 30, 2013, 03:25:06 PM »
Hi,

If i am getting an auto insurance quote, I was told that I got a soft pull.

Does it hurt me if i get multiple quotes?

TIA

Offline Lou Bob

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Re: credit score
« Reply #145 on: September 30, 2013, 03:29:13 PM »
Hi,

If i am getting an auto insurance quote, I was told that I got a soft pull.

Does it hurt me if i get multiple quotes?

TIA
only hard pulls will hurt ur score
Always use an Amex, you'll thank me one day.

Offline Dave321

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Re: credit score
« Reply #146 on: September 30, 2013, 03:30:27 PM »
only hard pulls will hurt ur score

ok thanks

They also claim that I am getting a higher rate bec my credit score isnt high (i have 734).

Any truth to this?

Offline jewdkoff

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Re: credit score
« Reply #147 on: September 30, 2013, 06:17:54 PM »
Bumpage. Basically you check your credit reports every day and after some time the inquiry falls off. This has something to do with the CR only being able to contain a limited amount of inquires so once you overload it with you own inquiries, the real ones fall off.

Does anyone have any info on this? Sounds very interesting

Offline jaywhy

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Re: credit score
« Reply #148 on: September 30, 2013, 06:54:34 PM »
Does anyone have any info on this? Sounds very interesting
Google it.

Offline Shmulyg

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Re: credit score
« Reply #149 on: September 30, 2013, 07:22:43 PM »
Does anyone have any info on this? Sounds very interesting
Don't get your hopes up. It doesn't work for Experian.