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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 830401 times)

Offline CS91

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Re: credit score
« Reply #2820 on: April 18, 2016, 07:54:10 PM »
Quote from: theblakdavid on April 18, 2016, 07:33:27 PM
Dispute again, say new reasons. I had to dispute a few times to get them removed.
What other reason? I've already disputed it 4 times. And EX is telling me that I can't dispute it again.
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Offline theblakdavid

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Re: credit score
« Reply #2821 on: April 18, 2016, 07:56:18 PM »
Quote from: CS91 on April 18, 2016, 07:54:10 PM
What other reason? I've already disputed it 4 times. And EX is telling me that I can't dispute it again.
Ye, they told me that too.. Think of something else. I deleted an address off my CR and then told them that's probably why the AU card showed up, cause of incorrect information on my CR.
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Offline David Smith

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Re: credit score
« Reply #2822 on: April 18, 2016, 08:00:50 PM »
Quote from: CS91 on April 18, 2016, 07:54:10 PM
What other reason? I've already disputed it 4 times. And EX is telling me that I can't dispute it again.
What number are you calling to dispute?
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Offline CS91

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Re: credit score
« Reply #2823 on: April 18, 2016, 08:03:41 PM »
Quote from: David Smith on April 18, 2016, 08:00:50 PM
What number are you calling to dispute?
800-493-1058
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Offline rileywiles23

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Re: credit score
« Reply #2824 on: April 18, 2016, 09:33:52 PM »
Quote from: CS91 on April 18, 2016, 08:03:41 PM
800-493-1058
Try this one, 7148307000
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Offline hvaces42

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Re: credit score
« Reply #2825 on: April 21, 2016, 08:25:23 AM »
Capital One just changed their scoring model. Up until now it was closer to FICO than to FAKO. Now it's ULTRA FAKO. They're using some ridiculous model that is nowhere near reality. FAKO score is now 100 points less that FICO
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Offline JTZ

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Re: credit score
« Reply #2826 on: April 21, 2016, 09:36:24 AM »
Quote from: hvaces42 on April 21, 2016, 08:25:23 AM
Capital One just changed their scoring model. Up until now it was closer to FICO than to FAKO. Now it's ULTRA FAKO. They're using some ridiculous model that is nowhere near reality. FAKO score is now 100 points less that FICO
There is either FICO or it doesn't matter. No such thing as close to FICO.
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Offline noturbizniss

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Re: credit score
« Reply #2827 on: April 28, 2016, 11:09:14 AM »
For all the concerns with Hard inquiries check out the below. An inquiry was added, AAOA went up by 1 month and available credit went up by about 9k (due to 1 account being added).  Overall there was no change to the score, backing up the oft repeated sentiment that the impact of inquiries is vastly overstated.


4/20





4/26, new inquiry, new account

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Offline ya

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Re: credit score
« Reply #2828 on: April 28, 2016, 11:10:32 AM »
Quote from: noturbizniss on April 28, 2016, 11:09:14 AM
For all the concerns with Hard inquiries check out the below. An inquiry was added, AAOA went up by 1 month and available credit went up by about 9k (due to 1 account being added).  Overall there was no change to the score, backing up the oft repeated sentiment that the impact of inquiries is vastly overstated.


4/20





4/26, new inquiry, new account


Score isnt everything.
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Offline yochiek93

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Re: credit score
« Reply #2829 on: April 28, 2016, 11:14:39 AM »
Quote from: ya on April 28, 2016, 11:10:32 AM
Score isnt everything.
All he is trying to prove was that pulls are overrated....
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Offline noturbizniss

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Re: credit score
« Reply #2830 on: April 28, 2016, 11:20:19 AM »
Quote from: yochiek93 on April 28, 2016, 11:14:39 AM
All he is trying to prove was that pulls are overrated....
Exactly
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Offline GAM Z.

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Re: credit score
« Reply #2831 on: April 28, 2016, 12:58:52 PM »
Quote from: noturbizniss on April 28, 2016, 11:09:14 AM

4/20




4/26, new inquiry, new account


Why did the AAOA go down, but the newest account is still 7 months?
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Offline mochjas

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Re: credit score
« Reply #2832 on: April 28, 2016, 01:18:21 PM »
Quote from: noturbizniss on April 28, 2016, 11:20:19 AM
Exactly
well that's one pull now try 11 more and see how overrated pulls are!
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Offline yitrap

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Re: credit score
« Reply #2833 on: April 28, 2016, 01:28:58 PM »
Quote from: mochjas on April 28, 2016, 01:18:21 PM
well that's one pull now try 11 more and see how overrated pulls are!
Can someone quote Mendelssohn regarding getting a card approved... Something like 31 inquires
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Offline pixi

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Re: credit score
« Reply #2834 on: April 28, 2016, 02:35:31 PM »
Does it make sense that after a mortgage is being reported on my credit report that my score should drop with about 20 points?
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Offline Zalc

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Re: credit score
« Reply #2835 on: April 28, 2016, 03:09:05 PM »
Quote from: yitrap on April 28, 2016, 01:28:58 PM
Can someone quote Mendelssohn regarding getting a card approved... Something like 31 inquires
Are all of those from CC apps? If not that happens quite often.

CMIIW, but besides Barclay's, most issuers don't care about pulls if everything else checks out.
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Offline yitrap

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Re: credit score
« Reply #2836 on: April 28, 2016, 03:19:11 PM »
Quote from: Zalc on April 28, 2016, 03:09:05 PM
Are all of those from CC apps? If not that happens quite often.

CMIIW, but besides Barclay's, most issuers don't care about pulls if everything else checks out.
You'll have to ask him...

From my understanding that's correct and even Barclays isn't set in stone
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Offline CS91

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Re: credit score
« Reply #2837 on: April 28, 2016, 03:48:52 PM »
Quote from: noturbizniss on April 28, 2016, 11:09:14 AM
For all the concerns with Hard inquiries check out the below. An inquiry was added, AAOA went up by 1 month and available credit went up by about 9k (due to 1 account being added).  Overall there was no change to the score, backing up the oft repeated sentiment that the impact of inquiries is vastly overstated.
Newest account is 7 months old?!?!?!  :o
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Offline noturbizniss

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Re: credit score
« Reply #2838 on: April 28, 2016, 03:51:42 PM »
Quote from: CS91 on April 28, 2016, 03:48:52 PM
Newest account is 7 months old?!?!?!  :o
In the market for a Mortgage in the next year or two...
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READ THE DARN WIKI!!!!

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Offline CS91

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Re: credit score
« Reply #2839 on: April 28, 2016, 04:04:14 PM »
Quote from: noturbizniss on April 28, 2016, 03:51:42 PM
In the market for a Mortgage in the next year or two...
Ah, got it.
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