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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 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 425247 times)

Offline Euclid

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Re: credit score
« Reply #4350 on: October 21, 2020, 09:24:28 PM »
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.
I'm going to guess is that the FICO algorithm may have been tweaked and the cause is some account that previously was fine...

Offline ShimshonK

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Re: credit score
« Reply #4351 on: October 22, 2020, 02:36:29 AM »
I'm going to guess is that the FICO algorithm may have been tweaked and the cause is some account that previously was fine...
I can't think of any negative marks my credit profile should give off, but I guess I'll let it go.
It's just that I've noticed double digit changes more often than my perception of the accepted norms.

Offline churnbabychurn

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Re: credit score
« Reply #4352 on: October 26, 2020, 10:25:50 PM »
What does it mean when Equifax returns a score of zero?

Initially lender thought it meant credit was frozen but Equifax says it is not frozen..

This is for a high net worth individual with dozens of inquiries, loans and investments.

Offline Shmulie

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Re: credit score
« Reply #4353 on: October 26, 2020, 10:37:27 PM »
What does it mean when Equifax returns a score of zero?

Initially lender thought it meant credit was frozen but Equifax says it is not frozen..

This is for a high net worth individual with dozens of inquiries, loans and investments.

Did all of their credit history come up when they pulled it?

I have pulled credit on people thousands of times I've never seen a zero it's probably a mistake in the information being entered and they're actually getting a 9004 / 9003  (no credit found, not enough information)

Offline churnbabychurn

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Re: credit score
« Reply #4354 on: October 27, 2020, 03:59:40 PM »
Did all of their credit history come up when they pulled it?

I have pulled credit on people thousands of times I've never seen a zero it's probably a mistake in the information being entered and they're actually getting a 9004 / 9003  (no credit found, not enough information)
I don't know what came up.. they keep insisting must be frozen but Equifax says it ain't..

Offline Dovdovmoneytree

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Re: credit score
« Reply #4355 on: November 09, 2020, 08:01:59 PM »
I read elsewhere on DDF that returning a lease (when the lease term is up) can significantly lower your credit score? Is this accurate?? If yes; how can I avoid this? I actually intend to transfer my lease to ALgo, Vrooom etc who in turn buyout the car from the finance co. To me it would seem the opposite should be true. A loan (lease) is now closed. And it's not like a lease is a revolving line of credit so my utilization ratio is not going up.

Thanks!

Offline Samb

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Re: credit score
« Reply #4356 on: November 09, 2020, 09:56:16 PM »
I read elsewhere on DDF that returning a lease (when the lease term is up) can significantly lower your credit score? Is this accurate?? If yes; how can I avoid this? I actually intend to transfer my lease to ALgo, Vrooom etc who in turn buyout the car from the finance co. To me it would seem the opposite should be true. A loan (lease) is now closed. And it's not like a lease is a revolving line of credit so my utilization ratio is not going up.

Thanks!

It will effect your credit mix. As your losing a installment loan. But if you still have other open installment loans like a mortgage or another lease then the effect will be very minimum to nothing

Offline Dovdovmoneytree

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Re: credit score
« Reply #4357 on: November 09, 2020, 10:09:51 PM »
It will effect your credit mix. As your losing a installment loan. But if you still have other open installment loans like a mortgage or another lease then the effect will be very minimum to nothing

Thanks. I don't have a mortgage on my credit (any more) and no other lease. But several credit cards and student loan. Credit score is currently above 754. How significantly will this affect me? Any way I can try to offset it or avoid it? I am looking for a vehicle (to buy and finance) but don't have it just yet!

Offline avrohomgelb

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Re: credit score
« Reply #4358 on: November 16, 2020, 12:27:31 PM »
AFAR: Haven't missed a payment in 20 plus years. Missed 3 payments while sick with Corona. Is it possible to dispute? Who do I speak to?

Offline Dovdovmoneytree

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Re: credit score
« Reply #4359 on: November 16, 2020, 03:02:50 PM »
AFAR: Haven't missed a payment in 20 plus years. Missed 3 payments while sick with Corona. Is it possible to dispute? Who do I speak to?

I assume it hit your credit report?? How late? I believe the creditor can have it removed, although they are usually very hard about it. Perhaps with Covid they will be more understanding.

Offline CountValentine

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Re: credit score
« Reply #4360 on: November 16, 2020, 04:17:41 PM »
AFAR: Haven't missed a payment in 20 plus years. Missed 3 payments while sick with Corona. Is it possible to dispute? Who do I speak to?
Try a good will letter.
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline bhoaem

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Re: credit score
« Reply #4361 on: November 16, 2020, 11:27:03 PM »
Relative missed a payment  on Wells Fargo CC. Statement closed on 10/08  Payment was due on 11/2.
Just pay and move on? Any reason to contact WF? (Fee is only $1)

Also correct me if I'm wrong. Late payment will not be reported if its paid within 30 days of the due date.

Offline Dovdovmoneytree

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Re: credit score
« Reply #4362 on: November 16, 2020, 11:46:38 PM »
Relative missed a payment  on Wells Fargo CC. Statement closed on 10/08  Payment was due on 11/2.
Just pay and move on? Any reason to contact WF? (Fee is only $1)

Also correct me if I'm wrong. Late payment will not be reported if its paid within 30 days of the due date.

Depends if your time is worth $1

Under 30 days late, it does not report at all.