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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 809246 times)

Offline yitz-ee

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Re: credit score
« Reply #520 on: January 27, 2015, 04:11:02 PM »
Nope. Only have chase and amex

Offline etech0

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Re: credit score
« Reply #521 on: January 27, 2015, 04:12:11 PM »
If you have Barclays you could check TU
Or Discover
Workflowy. You won't know what you're missing until you try it.

Offline TimT

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Re: credit score
« Reply #522 on: January 27, 2015, 04:12:20 PM »
Nope. Only have chase and amex
Some have been able to on the new amex site.

Offline yitz-ee

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Re: credit score
« Reply #523 on: January 27, 2015, 04:15:52 PM »
ok never mind free, whats cheapest.

Offline etech0

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Re: credit score
« Reply #524 on: January 27, 2015, 04:16:37 PM »
Some have been able to on the new amex site.
Citi also, I believe
Workflowy. You won't know what you're missing until you try it.

Offline TimT

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Re: credit score
« Reply #525 on: January 27, 2015, 04:23:33 PM »

Offline morgs

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Re: credit score
« Reply #526 on: January 27, 2015, 06:06:16 PM »
Credit Karma now gives you your scores and reports from transunion and experian as well-are these fako scores? How close are they to fico if they are? Also does Barclay give the fico score-does that mean it is the most accurate (number wise if it indeed gives fico)?
TIA

Offline TimT

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Re: credit score
« Reply #527 on: January 27, 2015, 06:09:58 PM »
Credit Karma now gives you your scores and reports from transunion and experian as well-are these fako scores? How close are they to fico if they are? Also does Barclay give the fico score-does that mean it is the most accurate (number wise if it indeed gives fico)?
TIA
Its FAKO. Should be good for report. Barclay gives FICO, but only TU

Offline davidd75

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Re: credit score
« Reply #528 on: January 28, 2015, 04:42:00 PM »
My Barclays card give me a FICO score of 816 for TU but when a mortgage broker did a soft pull for pre-approval he said it showed a FICO? TU score of 786?

Offline avromie7

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Re: credit score
« Reply #529 on: January 28, 2015, 04:48:33 PM »
My Barclays card give me a FICO score of 816 for TU but when a mortgage broker did a soft pull for pre-approval he said it showed a FICO? TU score of 786?
barclay uses a different model but i wouldn't think it would make a 30 point difference
I wonder what people who type "u" instead of "you" do with all their free time.

Offline Marco Polo

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Re: credit score
« Reply #530 on: January 28, 2015, 04:52:27 PM »
My Barclays card give me a FICO score of 816 for TU but when a mortgage broker did a soft pull for pre-approval he said it showed a FICO? TU score of 786?
Barclay may be a a FAKO.
Quaerite et Invenietis.

Offline mawmaw

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Re: credit score
« Reply #531 on: January 28, 2015, 04:53:27 PM »
My Barclays card give me a FICO score of 816 for TU but when a mortgage broker did a soft pull for pre-approval he said it showed a FICO? TU score of 786?
FICO scores has different formulas to how thy calculate your score and your mortgage broker most likely used a different formula then barclay so your score will be different as well
as for the soft pull it most likely a hard pull check your report

Offline mawmaw

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Re: credit score
« Reply #532 on: January 28, 2015, 04:53:48 PM »
barclay uses a different model but i wouldn't think it would make a 30 point difference
+1

Offline mawmaw

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Re: credit score
« Reply #533 on: January 28, 2015, 04:53:58 PM »

Offline davidd75

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Re: credit score
« Reply #534 on: January 28, 2015, 04:59:49 PM »
Barclay may be a a FAKO.

Barclays I believe says FICO score

Offline davidd75

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Re: credit score
« Reply #535 on: January 28, 2015, 05:02:17 PM »
FICO scores has different formulas to how thy calculate your score and your mortgage broker most likely used a different formula then barclay so your score will be different as well
as for the soft pull it most likely a hard pull check your report

broker/lender assured me for pre-approval its only "soft"

what is the easiest way to verify?  I dont have access to my report

Offline ChaimMoskowitz

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Re: credit score
« Reply #536 on: January 28, 2015, 06:21:28 PM »
FICO scores has different formulas to how thy calculate your score and your mortgage broker most likely used a different formula then barclay so your score will be different as well
as for the soft pull it most likely a hard pull check your report
Proprietary FICO Scores:
In addition to basic FICO scores, the Fair Isaac Corp. also provides lenders with the option to purchase proprietary scores tailored to their industry. For mortgage lenders, there is the FICO Mortgage Score. The FICO Mortgage score places an emphasis on how you've handled property in the past. This includes all public property records, rental history and evictions, previous mortgages and property tax payment records. By placing a strong focus on the most relevant parts of your credit history, the lender can determine if you are likely to manage your mortgage responsibly in the future.
I just found a new supply of forks!

Offline lunatic

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Re: credit score
« Reply #537 on: January 28, 2015, 06:52:25 PM »
How do people explain manufacturered spending to lenders

Offline ChaimMoskowitz

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Re: credit score
« Reply #538 on: January 28, 2015, 07:08:40 PM »
How do people explain manufacturered spending to lenders
Very carefully.
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Offline noturbizniss

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Re: credit score
« Reply #539 on: January 28, 2015, 08:40:20 PM »
How do people explain manufacturered spending to lenders
You don't have too many inquiries when applying and make sure your balances are paid off before the statement posts
READ THE DARN WIKI!!!!

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