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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 579153 times)

Offline pixi

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Re: credit score
« Reply #3260 on: November 24, 2016, 12:28:37 PM »
Alliant does not hard pull for membership or the Shared Secured Loan.
"Alliant will pull a soft credit inquiry as part of the primary applicant’s background check. When applying online, Alliant will pull a hard credit inquiry specifically for a joint owner  "

I just wanna make sure I understand it correctly , they will do a hard pull only for a joint owner but not for the primary account owner . right ?
money doesn't talk......      it SCREAMS !

Offline pixi

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Re: credit score
« Reply #3261 on: November 24, 2016, 12:30:17 PM »
IIRC hard but pulls are no big deal.
Alliant does not hard pull for membership or the Shared Secured Loan.
money doesn't talk......      it SCREAMS !

Offline JTZ

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Re: credit score
« Reply #3262 on: November 24, 2016, 12:35:30 PM »
I just wanna make sure I understand it correctly , they will do a hard pull only for a joint owner but not for the primary account owner . right ?
Seems that way.
http://www.alliantcreditunion.org/help/does-alliant-do-a-hard-credit-check-for-checking-account-applicants
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline JTZ

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Re: credit score
« Reply #3263 on: November 24, 2016, 12:36:34 PM »

He would know for sure so I would go with him. My account is many years old.
"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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Re: credit score
« Reply #3264 on: November 24, 2016, 12:52:25 PM »
Seems that way.
http://www.alliantcreditunion.org/help/does-alliant-do-a-hard-credit-check-for-checking-account-applicants
That's for a checking account application,  maybe they will do a hard pull for a different type of account.
money doesn't talk......      it SCREAMS !

Offline pixi

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Re: credit score
« Reply #3265 on: November 24, 2016, 01:13:32 PM »
Is it possible to do a soft pull while my CR is frozen?
money doesn't talk......      it SCREAMS !

Offline rileywiles23

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Re: credit score
« Reply #3266 on: November 24, 2016, 01:24:50 PM »
Is it possible to do a soft pull while my CR is frozen?
IME no.
Life is as good as you make it...

Offline Tywin

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Re: credit score
« Reply #3267 on: November 27, 2016, 01:38:43 PM »
Anyway to get a free fico 2 score ?
NASA FCU gives a free monthly Experian Fico 2 score to members .

Offline PillanSmye

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Re: credit score
« Reply #3268 on: November 28, 2016, 12:15:44 AM »
"Alliant will pull a soft credit inquiry as part of the primary applicant’s background check. When applying online, Alliant will pull a hard credit inquiry specifically for a joint owner  "

I just wanna make sure I understand it correctly , they will do a hard pull only for a joint owner but not for the primary account owner . right ?

Alliant is a soft pull for membership and a soft pull for the Share Secured Loan

Offline pixi

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Re: credit score
« Reply #3269 on: November 28, 2016, 12:46:06 AM »
Alliant is a soft pull for membership and a soft pull for the Share Secured Loan
Great! 

A small Installment loan might indeed bring the score higher but when lenders manually review your credit report won't they start thinking why I needed a $500 loan,  won't that have a bad impression?
money doesn't talk......      it SCREAMS !

Offline mancunian

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Re: credit score
« Reply #3270 on: November 28, 2016, 05:18:15 PM »
Great! 

A small Installment loan might indeed bring the score higher but when lenders manually review your credit report won't they start thinking why I needed a $500 loan,  won't that have a bad impression?
IMHO it wouldn't hurt to tell the underwriter the truth, that you don't have a need for an installment loan, but you know it looks good on your credit.  That is, if you're on the phone with them, like recon.

Offline rileywiles23

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Re: credit score
« Reply #3271 on: November 28, 2016, 05:49:11 PM »
NASA FCU gives a free monthly Experian Fico 2 score to members .
Can anyone sign up ?
Life is as good as you make it...

Offline mancunian

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Re: credit score
« Reply #3272 on: November 28, 2016, 06:22:13 PM »
Can anyone sign up ?
Yes. I think it's a hard pull. They have a decent credit card offer I think...

Offline Freddie

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Re: credit score
« Reply #3273 on: November 29, 2016, 12:13:32 AM »
Ummm, is this a perfect score?
This is from BofA, btw.

Offline mmgfarb

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Re: credit score
« Reply #3274 on: November 29, 2016, 12:14:53 AM »
Ummm, is this a perfect score?
This is from BofA, btw.
You've just found the Holy grail of CC forums
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Offline hide4

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Re: credit score
« Reply #3275 on: December 01, 2016, 03:02:14 PM »
Ummm, is this a perfect score?
This is from BofA, btw.
How'd you do that? Good for you!

Offline mancunian

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Re: credit score
« Reply #3276 on: December 01, 2016, 08:37:16 PM »
How'd you do that? Good for you!
+1

Offline JTZ

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Re: credit score
« Reply #3277 on: December 02, 2016, 12:36:36 AM »
"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 #3278 on: December 02, 2016, 12:46:24 AM »
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline pixi

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Re: credit score
« Reply #3279 on: December 04, 2016, 01:40:12 AM »
Ummm, is this a perfect score?
This is from BofA, btw.
Wow..  Can you share your credit profile?
money doesn't talk......      it SCREAMS !