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 811047 times)

Offline ChaimMoskowitz

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Re: credit score
« Reply #460 on: January 08, 2015, 12:40:11 AM »
Anyone ever get 850?

Chaim, I'm sure you hit this bar once  :)
Not I but they do exist.
I just found a new supply of forks!

Offline freddy

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Re: credit score
« Reply #461 on: January 08, 2015, 07:33:05 PM »
Things like AAoA, ? late payments and other factors. Just like the way their score is calculated nobody knows for sure.
"Judge me by the enemies I make"

Online TimT

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Re: credit score
« Reply #462 on: January 08, 2015, 07:36:24 PM »

Offline mofreed

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Re: credit score
« Reply #463 on: January 11, 2015, 10:21:57 AM »
my credit score is 753 on credit karma bec i have 40 percent utilization on my parents credit card which is a year and half old and 0 percent utilization on a card of mine which i opened a few months ago so i have an average of 19 percent. if i remove myself as an authorized user from the card that has 40 percent will it now b that i dont have that age of a year and a half or will it still b that age and i can lower the utilization? and or should i try to add myself to an older card which has better utilization then remove myself as an au on the 40 percent card? point is im confused.......

Offline pixi

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Re: credit score
« Reply #464 on: January 18, 2015, 02:28:54 AM »
How can I removed a hard credit inquiry from my credit report?
money doesn't talk......      it SCREAMS !

Offline avromie7

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Re: credit score
« Reply #465 on: January 18, 2015, 02:30:01 AM »
How can I removed a hard credit inquiry from my credit report?
if you have a valid reason contact the bank that pulled it
I wonder what people who type "u" instead of "you" do with all their free time.

Offline etech0

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Re: credit score
« Reply #466 on: January 18, 2015, 02:30:45 AM »
Would be great if this thread had a wiki explaining the different types of credit scores, and how to find out what they are.
Workflowy. You won't know what you're missing until you try it.

Online TimT

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Re: credit score
« Reply #467 on: January 18, 2015, 02:31:32 AM »
How can I removed a hard credit inquiry from my credit report?
Was it a legitimate pull ? (applying for a card)

Offline pixi

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Re: credit score
« Reply #468 on: January 18, 2015, 02:31:58 AM »
They pulled it without my permission, I called the credit bureau a different they said in order to remove it I have to get a letter from the bank/lending Company that the authorize to remove it.  I called and they do not want to give me such letter..  What can I do
money doesn't talk......      it SCREAMS !

Offline pixi

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Re: credit score
« Reply #469 on: January 18, 2015, 02:32:25 AM »
Was it a legitimate pull ? (applying for a card)
It was a pull for a loan
money doesn't talk......      it SCREAMS !

Offline avromie7

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Re: credit score
« Reply #470 on: January 18, 2015, 02:36:39 AM »
They pulled it without my permission, I called the credit bureau a different they said in order to remove it I have to get a letter from the bank/lending Company that the authorize to remove it.  I called and they do not want to give me such letter..  What can I do
if you applied for a loan why wouldn't they pull your credit?
I wonder what people who type "u" instead of "you" do with all their free time.

Offline pixi

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Re: credit score
« Reply #471 on: January 18, 2015, 02:37:02 AM »
It was a pull for a loan
They told me that they gonna get me a pre approval and I said but I don't want you should pull my credit they said OKAY but they pulled...  What can I do to remove it?
money doesn't talk......      it SCREAMS !

Offline avromie7

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Re: credit score
« Reply #472 on: January 18, 2015, 02:38:03 AM »
They told me that they gonna get me a pre approval and I said but I don't want you should pull my credit they said OKAY but they pulled...  What can I do to remove it?
what did they say when you asked for the letter
I wonder what people who type "u" instead of "you" do with all their free time.

Offline pixi

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Re: credit score
« Reply #473 on: January 18, 2015, 02:39:17 AM »
That they can't just give out letters.  That's not the way it works...  And they will listen to the recording if I asked my credit not to be pulled..  But they never did...  Any idea how to remove it?
money doesn't talk......      it SCREAMS !

Offline avromie7

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Re: credit score
« Reply #474 on: January 18, 2015, 02:40:30 AM »
That they can't just give out letters.  That's not the way it works...  And they will listen to the recording if I asked my credit not to be pulled..  But they never did...  Any idea how to remove it?
try again to get them to listen to the recording that seems like your only option unless you have it recorded
I wonder what people who type "u" instead of "you" do with all their free time.

Offline pixi

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Re: credit score
« Reply #475 on: January 18, 2015, 02:41:48 AM »
try again to get them to listen to the recording that seems like your only option unless you have it recorded
There is no other way to remove it?  How does the credit repairs company's remove all the hard inquiries?
money doesn't talk......      it SCREAMS !

Online TimT

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Re: credit score
« Reply #476 on: January 18, 2015, 02:42:25 AM »
Would be great if this thread had a wiki explaining the different types of credit scores, and how to find out what they are.
http://www.dansdeals.com/archives/27543

Offline avromie7

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Re: credit score
« Reply #477 on: January 18, 2015, 02:44:32 AM »
There is no other way to remove it?  How does the credit repairs company's remove all the hard inquiries?
i don't know how they do it i didn't even know they did that however this AFAIK is definitely the most straight forward way to do it
I wonder what people who type "u" instead of "you" do with all their free time.

Offline pixi

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Re: credit score
« Reply #478 on: January 18, 2015, 02:48:48 AM »
i don't know how they do it i didn't even know they did that however this AFAIK is definitely the most straight forward way to do it
Should I try this http://www.creditinfocenter.com/repair/inqerase.shtml
money doesn't talk......      it SCREAMS !

Offline avromie7

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Re: credit score
« Reply #479 on: January 18, 2015, 02:51:00 AM »
Should I try this http://www.creditinfocenter.com/repair/inqerase.shtml
i don't know anything about it i guess wait for the morning when the experts wake up
I wonder what people who type "u" instead of "you" do with all their free time.