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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 828393 times)

Offline noturbizniss

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Re: credit score
« Reply #3180 on: October 10, 2016, 12:03:22 AM »
Fico 8.
Was a real bummer.
Any ideas what the drivers were?
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Offline rileywiles23

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Re: credit score
« Reply #3181 on: October 10, 2016, 12:03:51 AM »
Any ideas what the drivers were?
Don't understand what you mean.
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Offline noturbizniss

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Re: credit score
« Reply #3182 on: October 10, 2016, 12:05:07 AM »
Don't understand what you mean.
What factors were pushing it down?
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Offline rileywiles23

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Re: credit score
« Reply #3183 on: October 10, 2016, 12:08:35 AM »
What factors were pushing it down?
Don't know. My fico 8 was going up every few weeks, so not sure why the fico 2 was that much lower.
Haven't had any hard inquires in at least 8 months. Been doing the $2 trick the whole time. Never hasd any late payments.
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Offline noturbizniss

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Re: credit score
« Reply #3184 on: October 13, 2016, 10:26:11 PM »
useless piece of info. I had a credit card with 99% utilization go to 0 utilization. All else remained about the same, more or less. my CK FAKOS went up over 100 points, while my FICO 8 from experian went up 22 points. Just an example of how VASTLY different the scores are.
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Offline Jkhein

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Re: credit score
« Reply #3185 on: October 14, 2016, 08:26:25 AM »
If my cr shows cards with balances that I am an au on, do I want to remove those cards from the report before applying for a mortgage?

Offline noturbizniss

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Re: credit score
« Reply #3186 on: October 14, 2016, 03:17:28 PM »
If my cr shows cards with balances that I am an au on, do I want to remove those cards from the report before applying for a mortgage?
I haven't gone through it, but people who have, have told me that it's best if they are off.
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Offline Mountain Man

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Re: credit score
« Reply #3187 on: October 21, 2016, 11:01:32 AM »
I'm curious if anyone has any insight in what will happen to my credit score if I finish off my student loans. My student loan is the oldest item on my credit report by 2 years. I'm also concerned that it would reduce my mix of types of credit. I don't have a home loan or auto loan but am considering purchasing a home in a year or two. My credit karma report is showing 49 accounts, 21 open + 28 closed and avg age of 2 yrs and 4 months. Score is 750+.

Any thoughts???
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Offline ari2955

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Offline PillanSmye

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Re: credit score
« Reply #3189 on: October 23, 2016, 08:27:28 AM »
useless piece of info. I had a credit card with 99% utilization go to 0 utilization. All else remained about the same, more or less. my CK FAKOS went up over 100 points, while my FICO 8 from experian went up 22 points. Just an example of how VASTLY different the scores are.

A prime example of the relative uselessness of CK and Vantage. 

Until a creditor that matters makes Vantage score a primary factor,  it means NOTHING

Offline PillanSmye

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Re: credit score
« Reply #3190 on: October 23, 2016, 08:28:46 AM »
I'm curious if anyone has any insight in what will happen to my credit score if I finish off my student loans. My student loan is the oldest item on my credit report by 2 years. I'm also concerned that it would reduce my mix of types of credit. I don't have a home loan or auto loan but am considering purchasing a home in a year or two. My credit karma report is showing 49 accounts, 21 open + 28 closed and avg age of 2 yrs and 4 months. Score is 750+.

Any thoughts???

Your scores wilk fall slightly for having no open non-mortgage installments.

You can do the Alliant Share Secured Loan hack to gain the points back

Offline yochiek93

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Re: credit score
« Reply #3191 on: October 23, 2016, 12:13:08 PM »


You can do the Alliant Share Secured Loan hack to gain the points back
care to explain


Offline sedge

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Offline yochiek93

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Offline PillanSmye

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Re: credit score
« Reply #3194 on: October 24, 2016, 03:15:45 AM »
care to explain

You get a 4 year or 5 year loan with Alliant FCU that is secured against a deposit.  It can be $500.  Alliant does not hard pull for membership or the Shared Secured Loan.

You immediately pay back $460.  Alliant is fairly unique in that it will push out the next payment due for 3 or 4 years.  Also, when you pay off the $460, it frees that money up in your savings.

If you don't have open installment loans, getting an installment loan reporting can increase your FICO 08 scores from 20 to 40 points.  So you tie up $40 for a couple years, and pay like $8 in interest over the life of the loan.

Offline noturbizniss

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Re: credit score
« Reply #3195 on: October 25, 2016, 08:51:42 PM »
You get a 4 year or 5 year loan with Alliant FCU that is secured against a deposit.  It can be $500.  Alliant does not hard pull for membership or the Shared Secured Loan.

You immediately pay back $460.  Alliant is fairly unique in that it will push out the next payment due for 3 or 4 years.  Also, when you pay off the $460, it frees that money up in your savings.

If you don't have open installment loans, getting an installment loan reporting can increase your FICO 08 scores from 20 to 40 points.  So you tie up $40 for a couple years, and pay like $8 in interest over the life of the loan.
will this help the scores that the mortgage lenders use? I have no open installments. Also, I assume I can open one of these under both my name and my wife's name jointly?

thanks!
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Offline Mountain Man

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Re: credit score
« Reply #3196 on: October 26, 2016, 11:19:39 AM »
Your scores wilk fall slightly for having no open non-mortgage installments.

You can do the Alliant Share Secured Loan hack to gain the points back
It would seem simpler to me to just keep a $500 balance which would only be ~$30 interest a year. While that is more than $8 a year it is also my oldest account. But thanks for the Alliant tip I'll definitely look more into it as well.
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Offline Mordyk

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Re: credit score
« Reply #3197 on: October 27, 2016, 12:36:59 PM »
anyone know why a mortgage would not show on a credit report?
#TYH

Offline mmgfarb

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Re: credit score
« Reply #3198 on: October 28, 2016, 02:15:38 PM »
What score does discover score card use?
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Offline Der Deutsche Jude

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Re: credit score
« Reply #3199 on: October 29, 2016, 08:29:12 PM »
What score does discover score card use?
Experian