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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 592675 times)

Offline JTZ

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Re: credit score
« Reply #3300 on: December 26, 2016, 01:34:32 PM »
Fako
What about the score with the Slate card?
"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 #3301 on: December 26, 2016, 01:35:45 PM »
Fako
can you give me a link to get a free fako from chase
the masmid atzum
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Offline JTZ

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Re: credit score
« Reply #3302 on: December 26, 2016, 01:36:36 PM »
"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 #3303 on: December 26, 2016, 01:38:41 PM »
What about the score with the Slate card?
Fico
"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 #3304 on: December 26, 2016, 02:03:46 PM »
"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 #3305 on: December 26, 2016, 02:27:09 PM »
Link please? I have not seen one site that does that.
at the  top, under "Rewards & Offers" at the top, there's a link for "Your FICO Score"

Offline JTZ

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Re: credit score
« Reply #3306 on: December 26, 2016, 02:35:34 PM »
at the  top, under "Rewards & Offers" at the top, there's a link for "Your FICO Score"
Then it is a FICO score.
"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 #3307 on: December 26, 2016, 02:44:17 PM »
Then it is a FICO score.
awesome! how do u know when its FAKO?

Offline JTZ

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Re: credit score
« Reply #3308 on: December 26, 2016, 03:03:23 PM »
Doesn't say FICO
"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 #3309 on: December 26, 2016, 09:02:16 PM »
at the  top, under "Rewards & Offers" at the top, there's a link for "Your FICO Score"
Which site are you referring to?
 Is that the below?


they all write FICO on the site, but many arent actually real FICO scores

READ THE DARN WIKI!!!!

Chuck Norris...
...can still do FT method
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Offline ben89

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Re: credit score
« Reply #3310 on: December 26, 2016, 11:11:28 PM »
Is lowering credit limit on a card bad for your credit score?

Offline mmgfarb

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Re: credit score
« Reply #3311 on: December 26, 2016, 11:16:21 PM »
Is lowering credit limit on a card bad for your credit score?
If you're total available CL goes down, it will hurt your score.
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline ben89

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Re: credit score
« Reply #3312 on: December 26, 2016, 11:23:21 PM »
If you're total available CL goes down, it will hurt your score.
what do you mean?

Offline JACKBLUE

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Re: credit score
« Reply #3313 on: December 26, 2016, 11:24:46 PM »
what do you mean?
in other words yes

Offline mmgfarb

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Re: credit score
« Reply #3314 on: December 26, 2016, 11:25:25 PM »
what do you mean?
If all the credit available to you across all you're cards on your CR goes down, it hurts your score. The ratio between available credit and how much you're using is 30% of your score.
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline noturbizniss

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Re: credit score
« Reply #3315 on: December 27, 2016, 06:27:30 AM »
If you shift credit it won't hurt unless you shift to a business card that doesn't report.
READ THE DARN WIKI!!!!

Chuck Norris...
...can still do FT method
...READS THE WIKI!!!

Offline JTZ

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Re: credit score
« Reply #3316 on: December 27, 2016, 07:12:17 AM »
All this about available credit and your score is dependent on your own credit file. I can close cards with 100k of available credit and it wouldn't effect my score. Your goal should be to get to the point were you don't have to play all these different games.
"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 #3317 on: December 27, 2016, 08:23:40 AM »
is this a good score?
 ???
the masmid atzum
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Offline David Smith

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Re: credit score
« Reply #3318 on: December 27, 2016, 08:40:24 AM »
is this a good score?
 ???
Who's that from?
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

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Re: credit score
« Reply #3319 on: December 27, 2016, 08:47:13 AM »
Who's that from?
capital one (it is not my score)
the masmid atzum
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