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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 908167 times)

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.

Offline jewdkoff

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Re: credit score
« Reply #150 on: September 30, 2013, 07:27:49 PM »
Google it.

I did, couldn't find anything

Offline jaywhy

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Re: credit score
« Reply #151 on: September 30, 2013, 07:30:55 PM »
I did, couldn't find anything
Really??
I just Googled it and the entire first page had the right results.

Offline Moshe90

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Re: credit score
« Reply #152 on: September 30, 2013, 11:37:47 PM »
Which company let u pull your report a few times a day?

Offline Myccrabbi

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Re: credit score
« Reply #153 on: September 30, 2013, 11:49:51 PM »
Which company let u pull your report a few times a day?
if they gave u access thru a free trial u should b able to excess it as many times as u want until it expires .
And make sure to cancel it


If u work for a living, why kill urself working?

Offline Love A Gr8 Deal!!

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Re: credit score
« Reply #154 on: October 21, 2013, 10:21:34 AM »
Just checked my credit score on Quizzle and Creditsesame.com, It's 590 on Quizzle and 675 on Creditsesame. Why is there such a large gap and which one is more accurate???
Do you think the score is good enough to be approved for Chase CC, I did 3BM yesterday?
TYIA


Offline PlatinumGuy

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Re: credit score
« Reply #155 on: October 21, 2013, 10:22:13 AM »
Neither of them are accurate at all.
״וזה כלל גדול: שישנא אדם כל דבר שקר. וכל מה שיוסיף שנאה לדרכי השקר יוסיף אהבה לתורה.״ - אורחות צדיקים

Offline Love A Gr8 Deal!!

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Re: credit score
« Reply #156 on: October 21, 2013, 10:24:13 AM »
How can I obtain accurate score, indirectly. I already used my yearly credit check on all 3 agencies.

Offline rcarentals

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Re: credit score
« Reply #157 on: October 21, 2013, 10:27:52 AM »
Sign up for free trial at experian and cancel.. Don't have link quick Google search tho..
Do not boast for tomorrow, Because you do not know what the day will bear.(Mishlei C27.V1)

Offline CountValentine

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Re: credit score
« Reply #158 on: October 21, 2013, 10:38:14 AM »
Sign up for free trial at experian and cancel.. Don't have link quick Google search tho..
IIRC EX does not have a free trial for FICO score but EQ does.
http://www.dansdeals.com/go/myfico/
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Offline rcarentals

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Re: credit score
« Reply #159 on: October 21, 2013, 10:42:43 AM »
IIRC EX does not have a free trial for FICO score but EQ does.
http://www.dansdeals.com/go/myfico/
Correct my bad.. Equifax it was..
Do not boast for tomorrow, Because you do not know what the day will bear.(Mishlei C27.V1)