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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 827392 times)

Offline mmgfarb

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Re: credit score
« Reply #3200 on: October 29, 2016, 08:31:19 PM »
Quote from: Der Deutsche Jude on October 29, 2016, 08:29:12 PM
Experian
That's what I thought but they're showing different info than the  experian app
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Offline Der Deutsche Jude

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Re: credit score
« Reply #3201 on: October 29, 2016, 08:33:22 PM »
Quote from: mmgfarb on October 29, 2016, 08:31:19 PM
That's what I thought but they're showing different info than the  experian app
Discover only updates once a month
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Offline mmgfarb

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Re: credit score
« Reply #3202 on: October 29, 2016, 08:42:01 PM »
Quote from: Der Deutsche Jude on October 29, 2016, 08:33:22 PM
Discover only updates once a month
I know, I mean that they're saying I have less cards then I actually have, shorter history etc.
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Offline Der Deutsche Jude

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Re: credit score
« Reply #3203 on: October 29, 2016, 08:43:27 PM »
Quote from: mmgfarb on October 29, 2016, 08:42:01 PM
I know, I mean that they're saying I have less cards then I actually have, shorter history etc.
Seems they don't count AU's
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Offline mmgfarb

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Re: credit score
« Reply #3204 on: October 29, 2016, 08:45:02 PM »
Quote from: Der Deutsche Jude on October 29, 2016, 08:43:27 PM
Seems they don't count AU's
That's what I though at first but they're missing more than that, do they not count charge cards either?
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Offline Der Deutsche Jude

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Re: credit score
« Reply #3205 on: October 29, 2016, 08:47:37 PM »
Quote from: mmgfarb on October 29, 2016, 08:45:02 PM
That's what I though at first but they're missing more than that, do they not count charge cards either?
Let me check my own account, cuz I have a similar experience.
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Offline pixi

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Re: credit score
« Reply #3206 on: October 29, 2016, 10:31:05 PM »
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Offline Jkhein

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Re: credit score
« Reply #3207 on: October 29, 2016, 10:56:23 PM »
does the number of soft pulls have any affect at all in the eyes of mortgage lenders? as I want to get insurance quotes and each will do soft pulls etc
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Offline mmgfarb

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Re: credit score
« Reply #3208 on: October 29, 2016, 10:59:37 PM »
Quote from: Jkhein on October 29, 2016, 10:56:23 PM
does the number of soft pulls have any affect at all in the eyes of mortgage lenders? as I want to get insurance quotes and each will do soft pulls etc
Only you see soft pulls, nobody doing a hard pull will see how many soft pulls have been done.
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Offline Der Deutsche Jude

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Re: credit score
« Reply #3209 on: October 29, 2016, 11:10:01 PM »
Quote from: pixi on October 29, 2016, 10:31:05 PM
Is the wiki outdated?
The wiki refers to Discover credit cards.  We are discussing Discover Score Card, which provides Fico even to non-cardholders.
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Offline pixi

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Re: credit score
« Reply #3210 on: October 29, 2016, 11:19:25 PM »
Quote from: Der Deutsche Jude on October 29, 2016, 11:10:01 PM
The wiki refers to Discover credit cards.  We are discussing Discover Score Card, which provides Fico even to non-cardholders.
Got it
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Re: credit score
« Reply #3211 on: October 29, 2016, 11:20:25 PM »
I added myself as an AU on a chase card,  but the account only shows up on my TransUnion report,  how do I get experian and Equifax to show the account as well?
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Offline Der Deutsche Jude

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Re: credit score
« Reply #3212 on: October 30, 2016, 12:12:19 AM »
Quote from: mmgfarb on October 29, 2016, 08:45:02 PM
That's what I though at first but they're missing more than that, do they not count charge cards either?
It appears to be as you suspected.  Charge cards and AU's go unreported.  But the score is exactly the same as from AMEX.
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Offline mmgfarb

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Re: credit score
« Reply #3213 on: October 30, 2016, 12:17:56 AM »
Quote from: Der Deutsche Jude on October 30, 2016, 12:12:19 AM
It appears to be as you suspected.  Charge cards and AU's go unreported.  But the score is exactly the same as from AMEX.
Ok, thanks for checking.
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Offline Jkhein

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Re: credit score
« Reply #3214 on: October 30, 2016, 12:27:57 AM »
Quote from: Der Deutsche Jude on October 30, 2016, 12:12:19 AM
It appears to be as you suspected.  Charge cards and AU's go unreported.  But the score is exactly the same as from AMEX.
Btw, my amex score was 30 points higher then my mortgage pulled report
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Offline mmgfarb

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Re: credit score
« Reply #3215 on: October 30, 2016, 01:02:30 AM »
Quote from: Jkhein on October 30, 2016, 12:27:57 AM
Btw, my amex score was 30 points higher then my mortgage pulled report
They pull a different FICO for mortgages IIRC
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Offline Jkhein

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Re: credit score
« Reply #3216 on: October 30, 2016, 01:40:56 AM »
Quote from: mmgfarb on October 30, 2016, 01:02:30 AM
They pull a different FICO for mortgages IIRC
Correct, but just a heads up that it's a huge difference
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Offline pixi

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Re: credit score
« Reply #3217 on: October 30, 2016, 01:43:33 AM »
If I (not me ) have on my credit report just 1 chase AU credit card (in very good standing) and a mortgage , is there any chances amex or chase will approve me for a card, or 1 AU will not be enough ?
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Offline mmgfarb

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Re: credit score
« Reply #3218 on: October 30, 2016, 01:44:36 AM »
Quote from: pixi on October 30, 2016, 01:43:33 AM
If I (not me ) have on my credit report just 1 chase AU credit card (in very good standing) and a mortgage , is there any chances amex or chase will approve me for a card, or 1 AU will not be enough ?
What's your credit score?
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Offline pixi

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Re: credit score
« Reply #3219 on: October 30, 2016, 01:47:56 AM »
Quote from: mmgfarb on October 30, 2016, 01:44:36 AM
What's your credit score?
My TU CS is 734
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