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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 809487 times)

Offline davidd75

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Re: credit score
« Reply #540 on: January 29, 2015, 09:21:43 AM »
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.

is it true that when mortgage lenders/brokers want to pre-approve you its only a soft pull?

Offline coralsnake

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Re: credit score
« Reply #541 on: January 29, 2015, 10:31:15 AM »
is it true that when mortgage lenders/brokers want to pre-approve you its only a soft pull?
No. Always hard pull on all 3 bureaus.
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Offline yitzy93

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Re: credit score
« Reply #542 on: January 29, 2015, 11:00:36 PM »
I got a CL increase of a $1000 on one of my cc's about 2 months ago.
I checked 2 of my Credit Reports (EQ, EX) today and neither of them had any note of that increase, therefore making my Credit utilization higher.
Is that something I need to dispute with them or will it get updated eventually?

Offline nobiggy

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Re: credit score
« Reply #543 on: January 30, 2015, 11:16:06 AM »
I got a CL increase of a $1000 on one of my cc's about 2 months ago.
I checked 2 of my Credit Reports (EQ, EX) today and neither of them had any note of that increase, therefore making my Credit utilization higher.
Is that something I need to dispute with them or will it get updated eventually?
I'm sure it will get updated automatically.

Offline Yitzshpitz

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Re: credit score
« Reply #544 on: February 05, 2015, 09:21:21 AM »
Is the FICO score given through barclays accurate? Because just a couple months ago my score was in the 750's now its at 720.

Offline TimT

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Re: credit score
« Reply #545 on: February 05, 2015, 09:25:35 AM »
Is the FICO score given through barclays accurate? Because just a couple months ago my score was in the 750's now its at 720.
Its TU. Have you applied for new cards in the last few months ?
« Last Edit: February 05, 2015, 11:35:30 AM by TimT »

Offline ckmk47

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Re: credit score
« Reply #546 on: February 05, 2015, 11:33:55 AM »
Is the FICO score given through barclays accurate? Because just a couple months ago my score was in the 750's now its at 720.
There are several things that can change your credit score by that amount. 
utilization. Perhaps this time you had more owed on your cards when they closed. (30% of score is credit utilization)
pulls. have  you applied for credit recently. (10% of score is new credit)

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Offline Yitzshpitz

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Re: credit score
« Reply #547 on: February 05, 2015, 12:02:59 PM »
Its TU. Have you applied for new cards in the last few months ?

Ive had 2 hard pulls in the last 3 months


There are several things that can change your credit score by that amount. 
utilization. Perhaps this time you had more owed on your cards when they closed. (30% of score is credit utilization)
pulls. have  you applied for credit recently. (10% of score is new credit)



I actually did spend more this past month than usual so maybe that is why. Should I stand pat for a while (a couple months) and let my credit score increase before applting for any new cards?

Offline TimT

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Re: credit score
« Reply #548 on: February 05, 2015, 12:04:40 PM »
Ive had 2 hard pulls in the last 3 months


I actually did spend more this past month than usual so maybe that is why. Should I stand pat for a while (a couple months) and let my credit score increase before applting for any new cards?
Hard pulls & higher balances will do that to your score. For starters pay off the balances. And make sure your statements close with very little on them.

Offline duddys

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Re: credit score
« Reply #549 on: February 07, 2015, 07:59:44 PM »

Offline mendy613

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Re: credit score
« Reply #550 on: February 08, 2015, 03:56:56 AM »
Question:

Whenever the wife or i have to do Recon with Barclays (TU), they always mention our other cards from Chase and Amex (We live in NY)
I thought they should only be able to see our TU report and not EX.




Offline Emkay

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Re: credit score
« Reply #551 on: February 08, 2015, 03:59:25 AM »


Question:

Whenever the wife or i have to do Recon with Barclays (TU), they always mention our other cards from Chase and Amex (We live in NY)
I thought they should only be able to see our TU report and not EX.

They still see the accounts

Offline Red

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Re: credit score
« Reply #552 on: February 08, 2015, 05:33:11 AM »
Question:

Whenever the wife or i have to do Recon with Barclays (TU), they always mention our other cards from Chase and Amex (We live in NY)
I thought they should only be able to see our TU report and not EX.
I recommend you take a look at your credit report just to see what one looks like.

Offline tjak

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Re: credit score
« Reply #553 on: February 08, 2015, 09:24:57 AM »
A friend of  mine is trying to get started. He was an au in an amex card for 7 month now. He wanted to check his score now so he got the credit karma app. In the app it told him he has a score of zero. But a look at the website gave him a score of 704. I then looked at mine and noticed I also have a diff score on the app and site. Anyone know anything about this?

Offline avromie7

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Re: credit score
« Reply #554 on: February 08, 2015, 09:27:29 AM »
A friend of  mine is trying to get started. He was an au in an amex card for 7 month now. He wanted to check his score now so he got the credit karma app. In the app it told him he has a score of zero. But a look at the website gave him a score of 704. I then looked at mine and noticed I also have a diff score on the app and site. Anyone know anything about this?
Credit karma is FAKO which is not your real score they have their own way of trying to figure out what your score is
I wonder what people who type "u" instead of "you" do with all their free time.

Offline tjak

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Re: credit score
« Reply #555 on: February 08, 2015, 09:31:15 AM »

Credit karma is FAKO which is not your real score they have their own way of trying to figure out what your score is

But why two diff scores? And is it likely that the real one is a zero or only being an au does build your score?

Offline avromie7

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Re: credit score
« Reply #556 on: February 08, 2015, 09:35:15 AM »

But why two diff scores? And is it likely that the real one is a zero or only being an au does build your score?
It means he has a very thin file so they have nothing to build his score from but being an au does help
I wonder what people who type "u" instead of "you" do with all their free time.

Offline tjak

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Re: credit score
« Reply #557 on: February 08, 2015, 09:39:31 AM »

It means he has a very thin file so they have nothing to build his score from but being an au does help
So does he have a better chance of being accepted to amex over chase, or same thing? 

Offline avromie7

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Re: credit score
« Reply #558 on: February 08, 2015, 09:46:02 AM »
So does he have a better chance of being accepted to amex over chase, or same thing?
IME chase doesn't count AU's so his best bet chance is discover and if that doesn't work either crapitol one or a secured card
I wonder what people who type "u" instead of "you" do with all their free time.

Offline Super Speed

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Re: credit score
« Reply #559 on: February 08, 2015, 09:49:13 AM »
So does he have a better chance of being accepted to amex over chase, or same thing?
I would go for an Amex. My brother was an AU on my account for 3 months and applied for 3 Amex and got approved to all.