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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 579453 times)

Offline Thingywingy

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Re: credit score
« Reply #3540 on: March 07, 2017, 01:08:22 PM »
the credit bureau should remove the card if you tell them to
Should I first cancel the AU card?
I am sometimes accused of overthinking things. I am still mulling over whether that accusation has merit.

Offline 12HRS

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Re: credit score
« Reply #3541 on: March 07, 2017, 01:14:14 PM »
Should I first cancel the AU card?

you do not need to.

Offline maylei

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Re: credit score
« Reply #3542 on: March 07, 2017, 01:16:16 PM »
My family needs me to cosign a car lease but the person who is the original signer/ the one leasing the car has very bad credit like 620 will that affect my credit score??
And also is leasing a car usually good or bad credit in a reg situation?

Offline mochjas

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Re: credit score
« Reply #3543 on: March 07, 2017, 04:31:44 PM »
My family needs me to cosign a car lease but the person who is the original signer/ the one leasing the car has very bad credit like 620 will that affect my credit score??
And also is leasing a car usually good or bad credit in a reg situation?
it will not affect you score! Leasing is good for your credit score (generally as it increases your types of credit) but not great if you are looking to get a mortgage soon

Offline myi

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Re: credit score
« Reply #3544 on: March 07, 2017, 06:24:02 PM »
My family needs me to cosign a car lease but the person who is the original signer/ the one leasing the car has very bad credit like 620 will that affect my credit score??
And also is leasing a car usually good or bad credit in a reg situation?
Was this question not asked in another board? 
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Offline Thingywingy

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Re: credit score
« Reply #3545 on: March 07, 2017, 07:45:37 PM »
I am sometimes accused of overthinking things. I am still mulling over whether that accusation has merit.

Offline JTZ

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Re: credit score
« Reply #3546 on: March 09, 2017, 08:00:48 AM »
Any sites that like CK that show EX credit report?
"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 #3547 on: March 09, 2017, 10:40:40 AM »
Any sites that like CK that show EX credit report?
The EX app is pretty good
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Offline JTZ

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Re: credit score
« Reply #3548 on: March 09, 2017, 10:49:03 AM »
The EX app is pretty good
From EX site?
"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 #3549 on: March 09, 2017, 10:52:00 AM »
From EX site?
Yes, the website works too buy I like using the app better.
"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 #3550 on: March 09, 2017, 11:34:44 AM »
Yes, the website works too buy I like using the app better.
Does it cost?

Is this it: Experian CreditWorksSM Basic
"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 #3551 on: March 09, 2017, 01:06:35 PM »
Does it cost?

Is this it: Experian CreditWorksSM Basic
Doesn't cost anything for the credit report, they charge for the score.
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline shulem92

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Re: credit score
« Reply #3552 on: March 09, 2017, 06:24:31 PM »
Doesn't cost anything for the credit report, they charge for the score.
The score is free after the 1$ trial. You're paying for the credit monitoring

Offline maylei

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Re: credit score
« Reply #3553 on: March 10, 2017, 06:52:36 AM »
The score is free after the 1$ trial. You're paying for the credit monitoring
You mean if I pay the 1 dollar trial I will always be able to see my credit? But doesn't the trial end like after 30 days?

Offline JTZ

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Re: credit score
« Reply #3554 on: March 10, 2017, 07:19:37 AM »
You mean if I pay the 1 dollar trial I will always be able to see my credit? But doesn't the trial end like after 30 days?
No need to pay $1 for the trial. You will get an updated report every 30 days and alerts all the time with Experian CreditWorksSM Basic.
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline maylei

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Re: credit score
« Reply #3555 on: March 10, 2017, 07:21:25 AM »
How do I get experian credit works sm Basics ? And do you also get your fico score?

Offline JTZ

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Re: credit score
« Reply #3556 on: March 10, 2017, 07:31:47 AM »
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline maylei

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Re: credit score
« Reply #3557 on: March 10, 2017, 07:34:46 AM »

Offline JTZ

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Re: credit score
« Reply #3558 on: March 10, 2017, 07:37:42 AM »
And is myfico.com a good website/app
As long as it is a real FICO score it will work. Many credit cards give free FICO scores.
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline as2

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Re: credit score
« Reply #3559 on: March 16, 2017, 08:48:00 AM »
I recently applied for a chase card and was declined, so I transferred $2000 in credit from another card to get it opened. My credit score dropped close to 50 points, with the main factors being a reduction in credit and a new account. Will this revise itself once the new cards statement is reported? (it may have already) Did I miss something? Just looking for some info as this was a bit alarming.
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