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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 »

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Author Topic: credit score  (Read 830263 times)

Offline Mendelssohn

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Re: credit score
« Reply #1760 on: December 08, 2015, 04:36:59 PM »
Quote from: David Smith on December 08, 2015, 04:34:57 PM
Why would that change over the course of the month if her status remained the same?

If that didn't change, something else happened.

TBH it's difficult to try and figure out what changed without more details, and those details are things that most people on DDF don't generally look for.
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Offline ya

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Re: credit score
« Reply #1761 on: December 08, 2015, 04:38:37 PM »
Quote from: Mendelssohn on December 08, 2015, 04:33:52 PM
If it went from repayment to deferred, that can drop FICOs.
It was always deferred. Though a new $2,700 deferred SL came on her report this past month from summer class.
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Offline David Smith

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Re: credit score
« Reply #1762 on: December 08, 2015, 04:39:16 PM »
Quote from: Mendelssohn on December 08, 2015, 04:36:59 PM
If that didn't change, something else happened.

TBH it's difficult to try and figure out what changed without more details, and those details are things that most people on DDF don't generally look for.
So point out to him (and us) which details to look for.
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Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
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Offline Mendelssohn

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Re: credit score
« Reply #1763 on: December 08, 2015, 04:41:51 PM »
Quote from: ya on December 08, 2015, 04:38:37 PM
It was always deferred. Though a new $2,700 deferred SL came on her report this past month from summer class.

That could be it if she has a thin file.
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Offline Mendelssohn

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Re: credit score
« Reply #1764 on: December 08, 2015, 04:42:28 PM »
Quote from: David Smith on December 08, 2015, 04:39:16 PM
So point out to him (and us) which details to look for.

Everything. Lol  It's not really that simple.
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Offline ya

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Re: credit score
« Reply #1765 on: December 08, 2015, 04:43:07 PM »
Quote from: Mendelssohn on December 08, 2015, 04:41:51 PM
That could be it if she has a thin file.
She has a very thin file. Any thoughts? Should I just pay it off?
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Offline Mendelssohn

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Re: credit score
« Reply #1766 on: December 08, 2015, 04:52:13 PM »
Quote from: ya on December 08, 2015, 04:43:07 PM
She has a very thin file. Any thoughts? Should I just pay it off?

If she isn't seeking new credit, just leave it alone. After 6 months, her scores should recover.
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Offline ya

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Re: credit score
« Reply #1767 on: December 09, 2015, 01:51:02 PM »
Quote from: Mendelssohn on December 08, 2015, 04:52:13 PM
If she isn't seeking new credit, just leave it alone. After 6 months, her scores should recover.
Going to start looking for a mortgage in 6 months or so. This coming semester my wife should just pay and not use student loans?
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Offline Mendelssohn

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Re: credit score
« Reply #1768 on: December 09, 2015, 03:39:34 PM »
Quote from: ya on December 09, 2015, 01:51:02 PM
Going to start looking for a mortgage in 6 months or so. This coming semester my wife should just pay and not use student loans?

That might help with a thin file (no more loans).

Paying off the other loans won't do much. The damage has already been done for the new account, and will remain even when closed.

Her scores should recover by 6 months.

The only time positive installment loans can really hurt is if the balances are above the starting loan amount. Are her other loans unsubsidized? Did they update with added interest in the balances owed?
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Offline ya

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Re: credit score
« Reply #1769 on: December 09, 2015, 03:53:58 PM »
Quote from: Mendelssohn on December 09, 2015, 03:39:34 PM
That might help with a thin file (no more loans).

Paying off the other loans won't do much. The damage has already been done for the new account, and will remain even when closed.

Her scores should recover by 6 months.

The only time positive installment loans can really hurt is if the balances are above the starting loan amount. Are her other loans unsubsidized? Did they update with added interest in the balances owed?
Thanx.

She only has subsided loans. The rest is paid via CC.
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Offline rs242

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Re: credit score
« Reply #1770 on: December 10, 2015, 08:06:55 PM »
Maybe someone can help me with this discrepancy when I check my credit score on Capitol one I have like 770 but when I check on Amex it gave me a 680!? Why are they so far off
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Offline Cappy

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Re: credit score
« Reply #1771 on: December 10, 2015, 08:17:53 PM »
Quote from: rs242 on December 10, 2015, 08:06:55 PM
Maybe someone can help me with this discrepancy when I check my credit score on Capitol one I have like 770 but when I check on Amex it gave me a 680!? Why are they so far off

The one of capital one is a FAKO, the one on Amex is A Fico...

Why are Fakos off? Because they are fake and meaningless
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Offline yochiek93

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Re: credit score
« Reply #1772 on: December 10, 2015, 09:08:57 PM »
Quote from: Cappy on December 10, 2015, 08:17:53 PM
The one of capital one is a FAKO, the one on Amex is A Fico...

Why are Fakos off? Because they are fake and meaningless
isn't capital one TU and amex EX?
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Offline Cappy

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Re: credit score
« Reply #1773 on: December 10, 2015, 10:42:44 PM »
Quote from: yochiek93 on December 10, 2015, 09:08:57 PM
isn't capital one TU and amex EX?

It pulls a TU report, but the scores are FAKOS just like Credit Karma

Amex provides an EX Fico
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Offline yochiek93

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Re: credit score
« Reply #1774 on: December 10, 2015, 11:00:49 PM »
Quote from: Cappy on December 10, 2015, 10:42:44 PM
It pulls a TU report, but the scores are FAKOS just like Credit Karma

Amex provides an EX Fico
So where can I see a TU fico?
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Offline Mendelssohn

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Re: credit score
« Reply #1775 on: December 10, 2015, 11:05:17 PM »
Quote from: yochiek93 on December 10, 2015, 11:00:49 PM
So where can I see a TU fico?

Walmart, Discover and Barclays give a free TU 08.
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Offline yochiek93

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Re: credit score
« Reply #1776 on: December 10, 2015, 11:14:30 PM »
Quote from: Mendelssohn on December 10, 2015, 11:05:17 PM
Walmart, Discover and Barclays give a free TU 08.
Citi's EQ is fico or fako?
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Offline Mendelssohn

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Re: credit score
« Reply #1777 on: December 10, 2015, 11:42:28 PM »
Quote from: yochiek93 on December 10, 2015, 11:14:30 PM
Citi's EQ is fico or fako?

Bankcard Enhanced EQ FICO 08

It maxes at 900.
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Offline yochiek93

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Re: credit score
« Reply #1778 on: December 11, 2015, 12:42:36 AM »
Quote from: Mendelssohn on December 10, 2015, 11:42:28 PM
Bankcard Enhanced EQ FICO 08

It maxes at 900.
Thanx
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Offline PillanSmye

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Re: credit score
« Reply #1779 on: December 13, 2015, 12:30:34 AM »
Isn't it nice someone updated the wiki for this thread a month ago?
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