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 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 809890 times)

Offline ChaimMoskowitz

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Re: credit score
« Reply #440 on: January 06, 2015, 06:22:52 PM »
when i was on the page you linked i wasn't sure what to do...
I checked the box already for you.  ;)
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Offline noturbizniss

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Re: credit score
« Reply #441 on: January 06, 2015, 11:44:30 PM »
does anyone have a link to check experian credit report with a report number?
www.experian.com/viewreport
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Offline avromie7

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Re: credit score
« Reply #442 on: January 06, 2015, 11:46:34 PM »
www.experian.com/viewreport
thanks that's simpler i knew it existed but didn't remember what it was
I wonder what people who type "u" instead of "you" do with all their free time.

Offline noturbizniss

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Re: credit score
« Reply #443 on: January 06, 2015, 11:49:33 PM »
thanks that's simpler i knew it existed but didn't remember what it was
YW. I obsessively update mine ever 2 to 3 weeks or more often so I've come to memorize the simple link
READ THE DARN WIKI!!!!

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Offline avromie7

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Re: credit score
« Reply #444 on: January 06, 2015, 11:50:27 PM »
YW. I obsessively update mine ever 2 to 3 weeks or more often so I've come to memorize the simple link
i'll probably do the same  :)
I wonder what people who type "u" instead of "you" do with all their free time.

Offline eliraps

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Re: credit score
« Reply #445 on: January 07, 2015, 06:17:50 AM »
I get my transunion credit score from my barclay card which seems to update itself at random intervals. My timeline is something like this:
5/29/14 - 744
9/30/14 - 736
12/23/14 733
This relatively small drop made sense to me because i did an (successful) AOR a few days before that.
However Today it updated it self again and it has dropped to 716.
I am trying to figure out what could be the cause of this drop. I have not applied for any new credit since 12/23/14, I do not let my statements close with large balances and i always pay in full before the due date. I accessed my 3 credit reports about 3 weeks ago and as far as i can tell there is nothing there that shouldn't be there. I also have Lifelock insurance which should be protecting me from any fraud or identity theft.
Why would it have dropped again and so much?

Offline ChaimMoskowitz

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Re: credit score
« Reply #446 on: January 07, 2015, 06:25:19 AM »
Small drops can be from credit inquires and the larger drop can be from when the new cards were added to your credit report. Then there are the infamous credit buckets.
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Offline eliraps

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Re: credit score
« Reply #447 on: January 07, 2015, 06:34:43 AM »
Small drops can be from credit inquires and the larger drop can be from when the new cards were added to your credit report. Then there are the infamous credit buckets.
thank you. i guess i'll wait and see what happens next time they update.
what are credit buckets?
i just noticed that i let one card close with a $2500.00 balance which about 50% of the CL on that card. but i doubt that happening one time is very significant.

Offline ChaimMoskowitz

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Re: credit score
« Reply #448 on: January 07, 2015, 06:36:34 AM »
i just noticed that i let one card close with a $2500.00 balance which about 50% of the CL on that card. but i doubt that happening one time is very significant.
Depending on your credit file in can be.
I just found a new supply of forks!

Offline ChaimMoskowitz

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Re: credit score
« Reply #449 on: January 07, 2015, 06:44:04 AM »
what are credit buckets?
Credit buckets group individuals together based on certain information. Your FICO score is based on others in that group. Your score can go up or down depending on the group you are moved to. There is a ton more to this and something you should not be concerned about.
I just found a new supply of forks!

Offline eliraps

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Re: credit score
« Reply #450 on: January 07, 2015, 06:50:50 AM »
Credit buckets group individuals together based on certain information. Your FICO score is based on others in that group. Your score can go up or down depending on the group you are moved to. There is a ton more to this and something you should not be concerned about.
thanks
i'll take reassurance from a pro anytime  ;)

Offline ChaimMoskowitz

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Re: credit score
« Reply #451 on: January 07, 2015, 07:07:18 AM »
i'll take reassurance from a pro anytime  ;)
When you find one let me know so I can ask him/her a few questions.  :)
I just found a new supply of forks!

Offline noturbizniss

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Re: credit score
« Reply #452 on: January 07, 2015, 11:26:33 AM »
I got mine updated today as well. First time in 2 months. Went down from 802 to 800.
WTF!!
I knew I would have paid the 3500 arrival balance before statement closed. Good thing I have no apps due in next few months
READ THE DARN WIKI!!!!

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

Offline ChaimMoskowitz

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Re: credit score
« Reply #453 on: January 07, 2015, 12:04:18 PM »
825  >:(
I just found a new supply of forks!

Online TimT

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Re: credit score
« Reply #454 on: January 07, 2015, 12:12:45 PM »

Offline Dr Moose

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Re: credit score
« Reply #455 on: January 07, 2015, 01:02:04 PM »
825  >:(


A beautiful score that is not pillaged, exploited, and slaved, is no beautiful score at all.

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Offline freddy

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Re: credit score
« Reply #456 on: January 07, 2015, 07:58:22 PM »
Credit buckets group individuals together based on certain information. Your FICO score is based on others in that group. Your score can go up or down depending on the group you are moved to. There is a ton more to this and something you should not be concerned about.
What are the "buckets" based on? In other words what decides which group your in.
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Offline pixi

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Re: credit score
« Reply #457 on: January 07, 2015, 08:01:59 PM »
Hi,  I was on the phone with a lending Company,  and they told me that they can see  what about I'm qualified for and give me a pre approval,  I clearly asked them if it will be a hard credit check they told me NO and now when I look in my credit report I see that this company did a hard credit check, 
Is there any way I can dispute the credit check?  Any suggestions what I can or should do?
« Last Edit: January 07, 2015, 08:22:22 PM by pixi »
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Offline ChaimMoskowitz

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Re: credit score
« Reply #458 on: January 08, 2015, 12:32:01 AM »
What are the "buckets" based on? In other words what decides which group your in.
Things like AAoA, late payments and other factors. Just like the way their score is calculated nobody knows for sure.
I just found a new supply of forks!

Offline Nitantnel

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Re: credit score
« Reply #459 on: January 08, 2015, 12:37:34 AM »
Anyone ever get 850?

Chaim, I'm sure you hit this bar once  :)