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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 841375 times)

Offline palm tights

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Re: credit score
« Reply #2240 on: January 26, 2016, 07:19:16 AM »
What means " Derogatory " ? I see it on my score
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Offline TimT

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Re: credit score
« Reply #2241 on: January 26, 2016, 08:09:53 AM »
Quote from: palm tights on January 26, 2016, 07:19:16 AM
What means " Derogatory " ? I see it on my score
Have you had a bankruptcy, foreclosure, collections or something negative like that ?
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Offline WAM

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Re: credit score
« Reply #2242 on: January 27, 2016, 12:17:45 AM »
Even something as small as a missed payment.
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Offline yochiek93

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Re: credit score
« Reply #2243 on: January 27, 2016, 12:28:33 AM »
Quote from: WAM on January 27, 2016, 12:17:45 AM
Even something as small as a missed payment.
Over 30 days iinm
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Offline Venilla

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Re: credit score
« Reply #2244 on: January 27, 2016, 06:32:19 PM »
Is creditchecktotal.com FICO or FAKO?
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I like vanilla but my name is Venilla.

Offline ya

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Re: credit score
« Reply #2245 on: January 27, 2016, 06:32:50 PM »
Fico 08
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Offline palm tights

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Re: credit score
« Reply #2246 on: January 28, 2016, 01:20:58 AM »
Quote from: TimT on January 26, 2016, 08:09:53 AM
Have you had a bankruptcy, foreclosure, collections or something negative like that ?
Mistakenly late payment ,i didnt notice that auto payment isnt active , but i don't think it was 30 days late ,i need to check , so thats mean my credit is bad for good  ?
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Offline palm tights

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Re: credit score
« Reply #2247 on: January 28, 2016, 01:21:34 AM »
Quote from: WAM on January 27, 2016, 12:17:45 AM
Even something as small as a missed payment.
Is it bad for my credit?  And i won't get approved anywhere?
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Offline palm tights

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Re: credit score
« Reply #2248 on: January 28, 2016, 01:22:19 AM »
Quote from: yochiek93 on January 27, 2016, 12:28:33 AM
Over 30 days iinm
I don't think it was 30 days ,i gotta check , so thats means that im over ? I won't get approved anywhere?
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Offline David Smith

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Re: credit score
« Reply #2249 on: January 28, 2016, 01:27:07 AM »
Quote from: palm tights on January 28, 2016, 01:22:19 AM
I don't think it was 30 days ,i gotta check , so thats means that im over ? I won't get approved anywhere?
No, it just means that you have a minor late on your report. Plenty of people get approved for great cards with one 30 day late payment. You can contact creditor and ask them to remove it as a goodwill gesture.
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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 Emkay

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Re: credit score
« Reply #2250 on: January 28, 2016, 01:47:17 AM »
I personally have a 30 day late payment on my report that was an error on behalf of the credit card company and I just got approved for 10 cards this week
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Offline Emkay

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Re: credit score
« Reply #2251 on: January 28, 2016, 01:47:49 AM »


Quote from: David Smith on January 28, 2016, 01:27:07 AM
You can contact creditor and ask them to remove it as a goodwill gesture.
Very slim chance
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Offline ya

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Re: credit score
« Reply #2252 on: January 28, 2016, 07:04:57 AM »
Quote from: Emkay on January 28, 2016, 01:47:49 AM
Very slim chance
Very high chance actually.  Especially if you write them a letter.
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Offline Emkay

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Re: credit score
« Reply #2253 on: January 28, 2016, 07:09:33 AM »
Quote from: ya on January 28, 2016, 07:04:57 AM
Very high chance actually.  Especially if you write them a letter.
What's considered a high chance? Have you done this numerous times and were successful most of them?
I have about 15 data points with 1 success story, in my books thats slim
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Offline ya

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Re: credit score
« Reply #2254 on: January 28, 2016, 07:15:23 AM »
Quote from: Emkay on January 28, 2016, 07:09:33 AM
What's considered a high chance? Have you done this numerous times and were successful most of them?
I have about 15 data points with 1 success story, in my books thats slim
I have done it twice worked both times .  And I know a few Ppl that did it and worked.

Odds in this always depends on bank and the way you do it.
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Offline Emkay

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Re: credit score
« Reply #2255 on: January 28, 2016, 07:16:01 AM »


Quote from: ya on January 28, 2016, 07:15:23 AM

Odds in this always depends on bank and the way you do it.

Teach us please
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Offline ya

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Re: credit score
« Reply #2256 on: January 28, 2016, 07:19:29 AM »
Quote from: Emkay on January 28, 2016, 07:16:01 AM

Teach us please
Google is ur best friend
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Offline Emkay

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Re: credit score
« Reply #2257 on: January 28, 2016, 07:32:32 AM »
Quote from: ya on January 28, 2016, 07:19:29 AM
Google is ur best friend
which bank have you been successful with
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Offline ya

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Re: credit score
« Reply #2258 on: January 28, 2016, 08:24:43 AM »
Quote from: Emkay on January 28, 2016, 07:32:32 AM
which bank have you been successful with
My chase card and my wife's Discover. Having 15 lates is hard to then even remove one as you can not say it was a 1 time thing. Regardless send a letter that will 1)explain why it happened 2)Why it wont happen again 3) how its effecting you.
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Offline Emkay

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Re: credit score
« Reply #2259 on: January 28, 2016, 08:28:09 AM »
Quote from: ya on January 28, 2016, 08:24:43 AM
My chase card and my wife's Discover. Having 15 lates is hard to then even remove one as you can not say it was a 1 time thing. Regardless send a letter that will 1)explain why it happened 2)Why it wont happen again 3) how its effecting you.
i of course don have 15 late payments, it was 12 or so different people
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