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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 576421 times)

Offline mmgfarb

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Re: credit score
« Reply #3240 on: November 20, 2016, 08:06:50 PM »
Does a credit check from verizon, or direct TV regarding a internet plan affect your credit score ?
It's a hard pull.
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline mancunian

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Re: credit score
« Reply #3241 on: November 21, 2016, 07:26:42 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.

BTW this really really works. Like 30 points increase

Offline ari2955

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Re: credit score
« Reply #3242 on: November 22, 2016, 01:36:58 AM »
I did the same with a citi loan for $2k for 5yrs.
Paid back 91% after a few months, score increased about 30 points. Citi considers me paid up until late 2018, so now i can just let the loan sit without making any payments.


Offline JTZ

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Re: credit score
« Reply #3243 on: November 22, 2016, 05:50:45 AM »
BTW this really really works. Like 30 points increase
Point increase will depend on your credit profile.
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline shulem92

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Re: credit score
« Reply #3244 on: November 22, 2016, 08:46:58 PM »
not sure if this is the right thread. I "lived" by my sister for 1 day (changed my billing address to her house for a day). now she is getting tons of spam mail from credit card companies offering cc to every single one of my AU's! any ideas how to proceed? deal with amex? CB's?

Offline shulem92

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Re: credit score
« Reply #3245 on: November 23, 2016, 10:33:28 AM »
Any valid reason why there is a 50 point discrepancy between TU and EQ (credit karma) and EX (experian free credit report)?

Offline JTZ

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Re: credit score
« Reply #3246 on: November 23, 2016, 10:36:24 AM »
Any valid reason why there is a 50 point discrepancy between TU and EQ (credit karma) and EX (experian free credit report)?
Yes they are FAKO's and mean nothing and should not be used for credit scores.
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline David Smith

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Re: credit score
« Reply #3247 on: November 23, 2016, 10:36:46 AM »
Any valid reason why there is a 50 point discrepancy between TU and EQ (credit karma) and EX (experian free credit report)?
CK is garbage. Don't look at score.
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
JTZ

Offline shulem92

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Re: credit score
« Reply #3248 on: November 23, 2016, 10:37:02 AM »
Yes they are FAKO's and mean nothing and should not be used for credit scores.
Agreed but the FAKO's are based on something. Right?

Offline shulem92

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Re: credit score
« Reply #3249 on: November 23, 2016, 10:38:18 AM »
The right to get your credit report for 60 days is after applying or after being denied?

Offline rileywiles23

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Re: credit score
« Reply #3250 on: November 23, 2016, 11:15:40 AM »
The right to get your credit report for 60 days is after applying or after being denied?
Both
Life is as good as you make it...

Offline shulem92

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Re: credit score
« Reply #3251 on: November 23, 2016, 11:16:26 AM »

Offline mmgfarb

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Re: credit score
« Reply #3252 on: November 23, 2016, 11:21:12 AM »
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline JTZ

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Re: credit score
« Reply #3253 on: November 23, 2016, 12:24:22 PM »
Agreed but the FAKO's are based on something. Right?
I think they use a dartboard.  :)
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline mmgfarb

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Re: credit score
« Reply #3254 on: November 23, 2016, 01:18:32 PM »
I think they use a dartboard.  :)
ALOL
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline rileywiles23

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Re: credit score
« Reply #3255 on: November 23, 2016, 04:29:03 PM »
Anyway to get a free fico 2 score ?
Life is as good as you make it...

Offline pixi

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Re: credit score
« Reply #3256 on: November 24, 2016, 12:11:47 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.
How do I become a member ? do I have to donate to  Foster Care to Success ?
money doesn't talk......      it SCREAMS !

Offline JTZ

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Re: credit score
« Reply #3257 on: November 24, 2016, 12:21:06 PM »
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline pixi

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money doesn't talk......      it SCREAMS !

Offline JTZ

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Re: credit score
« Reply #3259 on: November 24, 2016, 12:25:52 PM »
Is it a soft pull or a hard pull ?
IIRC hard but pulls are no big deal.
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(