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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 835548 times)

Offline meme

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Re: credit score
« Reply #3120 on: September 02, 2016, 06:33:22 PM »
Quote from: Triple Canopy on September 02, 2016, 03:29:08 PM
None of those are FICO scores.
Where can I get my FICO?
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Offline Triple Canopy

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Re: credit score
« Reply #3121 on: September 02, 2016, 06:57:20 PM »
check the wiki.
go to myfico.com
go to creditchecktotal.com
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Offline sedge

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Re: credit score
« Reply #3122 on: September 02, 2016, 09:28:15 PM »
Quote from: Triple Canopy on September 02, 2016, 03:29:08 PM
None of those are FICO scores.
+1
Quote from: Triple Canopy on September 02, 2016, 06:57:20 PM
check the wiki.
go to myfico.com
go to creditchecktotal.com
+1
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Offline noturbizniss

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Re: credit score
« Reply #3123 on: September 03, 2016, 10:24:17 PM »
Quote from: Triple Canopy on September 02, 2016, 03:29:08 PM
None of those are FICO scores.
The experian 1.00 trial gives u the fico 8 IINM
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Offline ranhan429

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Re: credit score
« Reply #3124 on: September 04, 2016, 01:41:14 AM »
Hi.. where can I find information about disputing accounts on credit report (mainly looking to remove AUs), any other information about removing accounts that were opened then closed or something would also be great *cough 5/24*
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Offline meme

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Re: credit score
« Reply #3125 on: September 06, 2016, 05:27:22 PM »
Quote from: ranhan429 on September 04, 2016, 01:41:14 AM
Hi.. where can I find information about disputing accounts on credit report (mainly looking to remove AUs), any other information about removing accounts that were opened then closed or something would also be great *cough 5/24*
Just call the CB's and tell them it's not your account. I just did it, pretty simple. (TU took 3 min, Experian about 10, Equifax had to wait forever like 40 min)
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Offline shulem92

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Re: credit score
« Reply #3126 on: September 06, 2016, 07:54:08 PM »
Disputed an au with experian. On my credit report it now says that liability is authorized user, is that what was supposed to happen? Or they remove it totally?
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Offline theblakdavid

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Re: credit score
« Reply #3127 on: September 06, 2016, 07:55:21 PM »
Quote from: shulem92 on September 06, 2016, 07:54:08 PM
Disputed an au with experian. On my credit report it now says that liability is authorized user, is that what was supposed to happen? Or they remove it totally?
They should remove it totally. Did their investigation finish?
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Offline shulem92

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Re: credit score
« Reply #3128 on: September 06, 2016, 07:58:33 PM »
Quote from: theblakdavid on September 06, 2016, 07:55:21 PM
They should remove it totally. Did their investigation finish?
Yep
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Offline theblakdavid

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Re: credit score
« Reply #3129 on: September 06, 2016, 07:58:51 PM »
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Offline shulem92

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Re: credit score
« Reply #3130 on: September 06, 2016, 08:00:06 PM »
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Offline theblakdavid

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Re: credit score
« Reply #3131 on: September 06, 2016, 08:00:56 PM »
Quote from: shulem92 on September 06, 2016, 08:00:06 PM
Thanx
Did the cardholder live at your address? Was it an amex card?
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Offline shulem92

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Re: credit score
« Reply #3132 on: September 06, 2016, 08:02:44 PM »
Quote from: theblakdavid on September 06, 2016, 08:00:56 PM
Did the cardholder live at your address? Was it an amex card?
Nope. It was a my fathers chase card that I was an au on
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Offline theblakdavid

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Re: credit score
« Reply #3133 on: September 06, 2016, 08:04:41 PM »
Quote from: shulem92 on September 06, 2016, 08:02:44 PM
Nope. It was a my fathers chase card that I was an au on
Did you try to call chase?
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Offline shulem92

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Re: credit score
« Reply #3134 on: September 06, 2016, 08:09:42 PM »
Quote from: theblakdavid on September 06, 2016, 08:04:41 PM
Did you try to call chase?
Nope. I thought I wud try my luck disputing online. I hate PUTPAC...along with the rest of us
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Offline theblakdavid

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Re: credit score
« Reply #3135 on: September 06, 2016, 08:29:11 PM »
Quote from: shulem92 on September 06, 2016, 08:09:42 PM
Nope. I thought I wud try my luck disputing online. I hate PUTPAC...along with the rest of us
Haha true. I know with amex it's speedy. They told me that they report it by default due to some law but when requested they remove it. Which they did.
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Offline shulem92

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Re: credit score
« Reply #3136 on: September 06, 2016, 08:30:38 PM »
Quote from: theblakdavid on September 06, 2016, 08:29:11 PM
Haha true. I know with amex it's speedy. They told me that they report it by default due to some law but when requested they remove it. Which they did.
I guess I gotta start dialing...any specific number for chase?
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Offline theblakdavid

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Re: credit score
« Reply #3137 on: September 06, 2016, 08:34:01 PM »
Quote from: shulem92 on September 06, 2016, 08:30:38 PM
I guess I gotta start dialing...any specific number for chase?
No clue. They probably will transfer you. Amex has a specific Dept that deals with the CB. It was.the number that they give on the CR.
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Offline Triple Canopy

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Re: credit score
« Reply #3138 on: September 06, 2016, 09:47:15 PM »
Quote from: meme on September 06, 2016, 05:27:22 PM
Just call the CB's and tell them it's not your account. I just did it, pretty simple. (TU took 3 min, Experian about 10, Equifax had to wait forever like 40 min)

Careful with the phone calls. Most of the time it will result in an "Expedited Dispute Resolution", among giving up many of your rights under the FCRA, this type of disputing doesn't require the bureau's to permanently remove the item. If you are in a big hurry call them, but if you want to increase the chances it stays off, do it by mail.
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Offline noturbizniss

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Re: credit score
« Reply #3139 on: September 06, 2016, 10:11:28 PM »
Quote from: Triple Canopy on September 06, 2016, 09:47:15 PM
Careful with the phone calls. Most of the time it will result in an "Expedited Dispute Resolution", among giving up many of your rights under the FCRA, this type of disputing doesn't require the bureau's to permanently remove the item. If you are in a big hurry call them, but if you want to increase the chances it stays off, do it by mail.
A simple letter saying to remove all au accounts?
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READ THE DARN WIKI!!!!

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...READS THE WIKI!!!
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