Topic Wiki

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 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 ExGingi on March 04, 2019, 09:04:57 PM »

Author Topic: credit score  (Read 437455 times)

Offline ilherman

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Re: credit score
« Reply #4335 on: June 17, 2020, 10:16:36 PM »
So I applied for a mortgage and they came back that my credit score is 690. I said that it doesn't make sense since my fico9 score is showing 820.

It see that the bank uses a different fico score and since I have a $80 collection from 6 months ago which was paid off already its triggering a low score on the model they use. Even though it's clearly showing that it's paid off already.

Does this make sense?

Anything to do?
You can say what you think when you think what you say.

Offline Luvisrael

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Re: credit score
« Reply #4336 on: August 27, 2020, 01:02:34 PM »
If a bank closes my credit card due to not complying with an F/R , how will this affect my credit?

Offline justmeha

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Re: credit score
« Reply #4337 on: August 27, 2020, 08:19:30 PM »
If a bank closes my credit card due to not complying with an F/R , how will this affect my credit?
you can try to close it on your own. If not it will say closed by creditor

Offline Samb

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Re: credit score
« Reply #4338 on: August 28, 2020, 01:11:32 AM »
If a bank closes my credit card due to not complying with an F/R , how will this affect my credit?
Itís just a remark Doesnít effect

Offline pointer

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Re: credit score
« Reply #4339 on: September 30, 2020, 10:32:08 AM »
I just got an alert from Experian that my credit score dropped by 15 points.

The only thing that changed from last month, is that I did not use any credit at all.

Is that a reason for a score to drop 15 points?

Offline Yo ssi

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Re: credit score
« Reply #4340 on: September 30, 2020, 10:32:51 AM »
I just got an alert from Experian that my credit score dropped by 15 points.

The only thing that changed from last month, is that I did not use any credit at all.

Is that a reason for a score to drop 15 points?
Yes

Offline ShimshonK

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Re: credit score
« Reply #4341 on: October 21, 2020, 01:47:37 AM »
Score dropped about 40 points for no apparent reason. Any ideas why this happens? I'm sure this was discussed before.
I constantly use only about 1% of available credit, no new accounts, and never any missed or late payments, so I don't understand what causes double digit negative drops (not the first time I've seen jumps like this).

Viewing FICO score from American Express (accesible under account services on personal cards only). I know the Wiki says that's FAKO, but it says "FICO Score 8 based on Experian data is the same score used by American Express". Maybe Wiki is referring to the MyCreditGuide score and report also accesible via American Express?



Offline CountValentine

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Re: credit score
« Reply #4342 on: October 21, 2020, 05:53:37 AM »
That is a real FICO score you are looking at. Pull your credit reports and see if there is a major change from last month to this month.
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Offline teon00x14

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Re: credit score
« Reply #4343 on: October 21, 2020, 02:05:58 PM »
Score dropped about 40 points for no apparent reason. Any ideas why this happens? I'm sure this was discussed before.
I constantly use only about 1% of available credit, no new accounts, and never any missed or late payments, so I don't understand what causes double digit negative drops (not the first time I've seen jumps like this).

Viewing FICO score from American Express (accesible under account services on personal cards only). I know the Wiki says that's FAKO, but it says "FICO Score 8 based on Experian data is the same score used by American Express". Maybe Wiki is referring to the MyCreditGuide score and report also accesible via American Express?


What you're seeing is a real model 8 FICO score that AMEX has accessed to.  Score usually do not increase or drop if there is no changes to your file.  Have you checked if your total available credit has dropped recently?  Any closed account that you're not aware of?  A lot of times, a closed account could stay in your credit history for, i believe, 7 years.  If that has dropped off then it may have an impact on the scoring model thus affecting your overall score.

Offline ShimshonK

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Re: credit score
« Reply #4344 on: October 21, 2020, 03:58:06 PM »
That is a real FICO score you are looking at. Pull your credit reports and see if there is a major change from last month to this month.
What you're seeing is a real model 8 FICO score that AMEX has accessed to.  Score usually do not increase or drop if there is no changes to your file.  Have you checked if your total available credit has dropped recently?  Any closed account that you're not aware of?  A lot of times, a closed account could stay in your credit history for, i believe, 7 years.  If that has dropped off then it may have an impact on the scoring model thus affecting your overall score.

I tried pulling my credit reports but I got errors. I'll try again today.
BTW, which should I be pulling, or all 3?

I definitely have some closed accounts from a while back, not sure about 7 years ago though. In any case, I'm using such a small amount of credit, pretty shocked that something like that can cause such a significant drop.
And, did you mean a closed account staying on your credit history is good or bad for your score?

Offline Yo ssi

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Re: credit score
« Reply #4345 on: October 21, 2020, 06:30:21 PM »
I tried pulling my credit reports but I got errors. I'll try again today.
BTW, which should I be pulling, or all 3?

I definitely have some closed accounts from a while back, not sure about 7 years ago though. In any case, I'm using such a small amount of credit, pretty shocked that something like that can cause such a significant drop.
And, did you mean a closed account staying on your credit history is good or bad for your score?
From the above image it seems the discrepancy is by experian (and it seems your comparing now from August), so I don't see why you would pull all 3.
Experian also has a free app which let's you know all the details of your score.

Offline ltttc

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Re: credit score
« Reply #4346 on: October 21, 2020, 06:49:55 PM »
I tried pulling my credit reports but I got errors. I'll try again today.
BTW, which should I be pulling, or all 3?

I definitely have some closed accounts from a while back, not sure about 7 years ago though. In any case, I'm using such a small amount of credit, pretty shocked that something like that can cause such a significant drop.
And, did you mean a closed account staying on your credit history is good or bad for your score?
It may be something as simple as credit inquiries (like applying for cc...)

Offline ShimshonK

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Re: credit score
« Reply #4347 on: October 21, 2020, 07:26:57 PM »
It may be something as simple as credit inquiries (like applying for cc...)
I didn't have any inquiries in the last few months.

Offline pointer

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Re: credit score
« Reply #4348 on: October 21, 2020, 07:32:53 PM »
I didn't have any inquiries in the last few months.
Check on Credit Karma what changed from last month, something definitely did.

Offline ShimshonK

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Re: credit score
« Reply #4349 on: October 21, 2020, 08:38:14 PM »
Check on Credit Karma what changed from last month, something definitely did.
Just signed up for Credit Karma now, so it's not showing me any changes, though CK only has TU and EQ it seems, not EX.
Checked via Chase CreditJourney which is Experian (VantageScore 3.0, not FICO) - and that score has been much more stable, didn't drop like my FICO.