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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 579012 times)

Offline JTZ

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Re: credit score
« Reply #3600 on: March 30, 2017, 05:02:40 PM »
https://www.gofreecredit.com/d3f99e1/tu01a

Ever heard of this? Real report?
Does not say FICO so expect FAKO scores.
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline JACKBLUE

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Re: credit score
« Reply #3601 on: March 31, 2017, 11:06:40 AM »
I called Amex to remove a closed account from my report as I was only a AU, they said we'll have a supervisor call you in the next 24-48 hours and he'll be able to delete it. It's now a week since then and I didn't receive no call.
Will it be deleted? Anyone had such experience?

Offline mmgfarb

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Re: credit score
« Reply #3602 on: March 31, 2017, 11:37:06 AM »
I called Amex to remove a closed account from my report as I was only a AU, they said we'll have a supervisor call you in the next 24-48 hours and he'll be able to delete it. It's now a week since then and I didn't receive no call.
Will it be deleted? Anyone had such experience?
Try going straight to the CB's.
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline JACKBLUE

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Re: credit score
« Reply #3603 on: March 31, 2017, 11:38:09 AM »
Try going straight to the CB's.
tried several times, and no luck.

Offline a good yeshiva bachur

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Re: credit score
« Reply #3604 on: March 31, 2017, 12:02:35 PM »
jet blue CC gives a credit score is it FAKO or FICO?

Offline shulem92

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Re: credit score
« Reply #3605 on: March 31, 2017, 01:44:39 PM »
I called Amex to remove a closed account from my report as I was only a AU, they said we'll have a supervisor call you in the next 24-48 hours and he'll be able to delete it. It's now a week since then and I didn't receive no call.
Will it be deleted? Anyone had such experience?
did you ever use that card? once you use the card, it gets harder to deal with amex. have the AH call

Offline JACKBLUE

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Re: credit score
« Reply #3606 on: March 31, 2017, 05:14:24 PM »
did you ever use that card? once you use the card, it gets harder to deal with amex. have the AH call
yes I did use it.

Online nafnaf12

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Re: credit score
« Reply #3607 on: April 01, 2017, 09:11:37 PM »
How badly would credit be impacted having a statement close with 2.5k balance, On an account that's always been closing with $2 balance?
A smooth sea never made a skilled sailor.

Offline JTZ

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Re: credit score
« Reply #3608 on: April 01, 2017, 09:18:02 PM »
How badly would credit be impacted having a statement close with 2.5k balance, On an account that's always been closing with $2 balance?
Depends on many other things.
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Online nafnaf12

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Re: credit score
« Reply #3609 on: April 01, 2017, 09:21:31 PM »
Depends on many other things.
like?
A smooth sea never made a skilled sailor.

Offline JTZ

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Re: credit score
« Reply #3610 on: April 01, 2017, 09:43:05 PM »
like?
CL of card, overall utilization and ten other things.
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline a good yeshiva bachur

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Re: credit score
« Reply #3611 on: April 02, 2017, 07:43:40 PM »
jet blue CC gives a credit score is it FAKO or FICO?

Offline JTZ

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Re: credit score
« Reply #3612 on: April 02, 2017, 08:26:17 PM »
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline Square

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Re: credit score
« Reply #3613 on: April 03, 2017, 04:02:42 PM »

Offline Wizard

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Re: credit score
« Reply #3614 on: April 05, 2017, 02:53:29 PM »
Does the credit utilization part of my credit score have a connection from month to month or each month is a separate eval? Basically, if I have high utilization now but low next month, will my score be lower next month because of the high utilization this month? TIA!!
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Re: credit score
« Reply #3615 on: April 05, 2017, 02:59:15 PM »
Does the credit utilization part of my credit score have a connection from month to month or each month is a separate eval? Basically, if I have high utilization now but low next month, will my score be lower next month because of the high utilization this month? TIA!!
its a month to month evaluation. They do not take into account the previous months utilization

Offline Wizard

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Re: credit score
« Reply #3616 on: April 05, 2017, 03:23:06 PM »
its a month to month evaluation. They do not take into account the previous months utilization
That's great. Thanks.

Late payments do effect the score for more than just one month though, correct?
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Re: credit score
« Reply #3617 on: April 05, 2017, 03:25:04 PM »
That's great. Thanks.

Late payments do effect the score for more than just one month though, correct?
yes late payments stay on the record for a long time not sure exactly how long it could be as little as 2 years or even up to 7 years

Offline Wizard

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Re: credit score
« Reply #3618 on: April 05, 2017, 03:42:56 PM »
yes late payments stay on the record for a long time not sure exactly how long it could be as little as 2 years or even up to 7 years
Ok thanks
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Re: credit score
« Reply #3619 on: April 07, 2017, 05:51:05 PM »
How many points do you lose every time they pull your credit?