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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 624210 times)

Offline PillanSmye

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Re: credit score
« Reply #3280 on: December 04, 2016, 12:29:10 PM »
Wow..  Can you share your credit profile?

Pay your bills on time,  establish older accounts,  don't carry high balances.   That's all it takes to get into the 800's.

Offline maylei

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Re: credit score
« Reply #3281 on: December 04, 2016, 12:46:25 PM »
Pay your bills on time,  establish older accounts,  don't carry high balances.   That's all it takes to get into the 800's.
What do you mean by don't carry high balances

Offline JTZ

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Re: credit score
« Reply #3282 on: December 04, 2016, 12:48:53 PM »
What do you mean by don't carry high balances
You have a card with a 10k CL don't have a 5k balance when statement closes.
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline Mendelssohn

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Re: credit score
« Reply #3283 on: December 05, 2016, 06:45:27 PM »

Offline rileywiles23

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Re: credit score
« Reply #3284 on: December 06, 2016, 12:50:12 AM »
6 that I know of.

https://creditboards.com/forums/index.php?showtopic=519290&page=14#entry5573513
Are all of those a hard inquiry ?
BTW Welcome back. I missed your insight about credit related info.
Life is as good as you make it...

Offline Mendelssohn

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Re: credit score
« Reply #3285 on: December 06, 2016, 01:52:06 AM »
Are all of those a hard inquiry ?
BTW Welcome back. I missed your insight about credit related info.

I'm not sure about some of them. Unless things have changed, NASA is a SP.

Offline SrulyP

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Re: credit score
« Reply #3286 on: December 06, 2016, 12:32:06 PM »
PFAF - A friend of mine asked me to see if the DDF community could help.

He forgot about an Amex CC and didn't pay a recurring charge for 30 days and they reported to credit agencies. If it was his first delinquency, is there anything he can do to fight it?

TIA

Online mochjas

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Re: credit score
« Reply #3287 on: December 06, 2016, 12:33:22 PM »
PFAF - A friend of mine asked me to see if the DDF community could help.

He forgot about an Amex CC and didn't pay a recurring charge for 30 days and they reported to credit agencies. If it was his first delinquency, is there anything he can do to fight it?

TIA
no need to fight just call amex and they should be able to remove it if its his first time. Also they dont report anything unless you miss the payment twice

Offline SrulyP

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Re: credit score
« Reply #3288 on: December 06, 2016, 12:55:56 PM »
no need to fight just call amex and they should be able to remove it if its his first time. Also they dont report anything unless you miss the payment twice

He called up the credit bureau of Amex and was told their policy is only to remove if it was an error on their part. Any ideas of who else he should call?

Online mochjas

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Re: credit score
« Reply #3289 on: December 06, 2016, 01:00:24 PM »
He called up the credit bureau of Amex and was told their policy is only to remove if it was an error on their part. Any ideas of who else he should call?
HUCA the regular number on the back of the card is fine

Offline PillanSmye

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Re: credit score
« Reply #3290 on: December 08, 2016, 10:34:08 AM »
He called up the credit bureau of Amex and was told their policy is only to remove if it was an error on their part. Any ideas of who else he should call?

There is no one else to call.

Offline yochiek93

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Re: credit score
« Reply #3291 on: December 08, 2016, 11:16:17 AM »

Offline JTZ

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Re: credit score
« Reply #3292 on: December 08, 2016, 11:33:25 AM »
What can they do?
Apologies, was answering different questions. They won't do anything.
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline noturbizniss

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Re: credit score
« Reply #3293 on: December 21, 2016, 03:09:30 PM »
Can the myfico ultimate 3B be churned? i.e. sign up, get the reports and score, cancel, then sign up a month later to get a new score instead of waiting 3 months or paying 59 for the fico 3b.
READ THE DARN WIKI!!!!

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Offline foseph

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Re: credit score
« Reply #3294 on: December 26, 2016, 12:50:34 PM »
just logged into BR cc acct for first time in a while and saw they're giving transunion FICO scores...anyone know if its FICO or FAKO?

Offline JTZ

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Re: credit score
« Reply #3295 on: December 26, 2016, 01:02:25 PM »
just logged into BR cc acct for first time in a while and saw they're giving transunion FICO scores...anyone know if its FICO or FAKO?
What is the question?   ???
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline foseph

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Re: credit score
« Reply #3296 on: December 26, 2016, 01:03:43 PM »
What is the question?   ???
they all write FICO on the site, but many arent actually real FICO scores

Offline JTZ

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Re: credit score
« Reply #3297 on: December 26, 2016, 01:08:42 PM »
they all write FICO on the site, but many arent actually real FICO scores
Link please? I have not seen one site that does that.
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline since1492

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Re: credit score
« Reply #3298 on: December 26, 2016, 01:28:16 PM »
what is this that chase is offering free credit score and updates weekly even for non chase members and where can I find it
the masmid atzum
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Offline mmgfarb

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Re: credit score
« Reply #3299 on: December 26, 2016, 01:31:32 PM »
what is this that chase is offering free credit score and updates weekly even for non chase members and where can I find it
Fako
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