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 809795 times)

Offline noturbizniss

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Re: credit score
« Reply #580 on: February 11, 2015, 12:04:53 AM »
Not sure what you mean by that. Do you know otherwise? And if so, with sources?
Amex doesn't report if you paid before statement closed. If you didn't then it's reported. Same as every other bank.
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Re: credit score
« Reply #581 on: February 15, 2015, 03:20:54 PM »
Can banks make a hard pull without permission? It looks like Discover pulled my Equifax report last month, right around when they decided to raise my credit limit.

Is that something that can affect me negatively?
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Offline noturbizniss

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Re: credit score
« Reply #582 on: February 15, 2015, 03:25:08 PM »


Can banks make a hard pull without permission? It looks like Discover pulled my Equifax report last month, right around when they decided to raise my credit limit.

Is that something that can affect me negatively?

No they can't do it without your permission, but if you requested the increase, that often involves a hard pull. It affects you add inquiries are 10% of your score.
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Offline benjie1305

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Re: credit score
« Reply #583 on: February 15, 2015, 03:26:15 PM »
Can banks make a hard pull without permission? It looks like Discover pulled my Equifax report last month, right around when they decided to raise my credit limit.

Is that something that can affect me negatively?

If a person or business hard pulls your credit without permission, you may dispute the inquiry with the credit bureau that issued the report.

Question always is, what is considered permission.
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Re: credit score
« Reply #584 on: February 15, 2015, 03:31:00 PM »

No they can't do it without your permission, but if you requested the increase, that often involves a hard pull. It affects you add inquiries are 10% of your score.
I didn't say anything to them. They just woke up one morning and decided to increase my CL.
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Offline benjie1305

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Re: credit score
« Reply #585 on: February 15, 2015, 03:34:54 PM »
I didn't say anything to them. They just woke up one morning and decided to increase my CL.

If that increase lead to a hard pull I would complain about it. Find out who did it and complain to the manager. And of course, get that taken down.
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Offline noturbizniss

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Re: credit score
« Reply #586 on: February 15, 2015, 03:36:47 PM »
If that increase lead to a hard pull I would complain about it. Find out who did it and complain to the manager. And of course, get that taken down.
+1
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Offline Emkay

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Re: credit score
« Reply #587 on: February 15, 2015, 03:38:36 PM »
If that increase lead to a hard pull I would complain about it. Find out who did it and complain to the manager. And of course, get that taken down.
It ain't always a walk in the park

Offline Emkay

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Re: credit score
« Reply #588 on: February 15, 2015, 03:39:00 PM »
Can banks make a hard pull without permission? It looks like Discover pulled my Equifax report last month, right around when they decided to raise my credit limit.

Is that something that can affect me negatively?
Are you positive it was a hard pull

Offline benjie1305

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Re: credit score
« Reply #589 on: February 15, 2015, 03:40:00 PM »
It ain't always a walk in the park

I am most certain it isn't. Still needs to get done. For him to benefit and for the rep to learn his lesson.
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Re: credit score
« Reply #590 on: February 15, 2015, 03:41:43 PM »
Are you positive it was a hard pull
How would I know for sure?

It's on my Equifax report from credit karma
Quote

The details displayed here include the origins of each hard inquiry and our calculation of when they should be removed from your credit report. If you’re confused about any of the terms used on this page, read more about the specific data displayed here.

Creditor Name       Inquiry Date    Removed By*    Type
DISCOVER BANK    Jan 7, 2014      Feb 2016          National Credit Card Cos.
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Offline ChaimMoskowitz

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Re: credit score
« Reply #591 on: February 15, 2015, 03:43:48 PM »
How would I know for sure?

It's on my Equifax report from credit karma
Check the date.
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Re: credit score
« Reply #592 on: February 15, 2015, 03:46:54 PM »
Check the date.
OH good point!
That's embarrassing. That's when I first got the card. I guess I missed the 2014... and they did raise my CL right around January 2015.
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Offline Emkay

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Re: credit score
« Reply #593 on: February 15, 2015, 03:48:49 PM »
OH good point!
That's embarrassing. That's when I first got the card. I guess I missed the 2014... and they did raise my CL right around January 2015.
All's well that ends well

Offline benjie1305

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Re: credit score
« Reply #594 on: February 15, 2015, 03:57:55 PM »
OH good point!
That's embarrassing. That's when I first got the card. I guess I missed the 2014... and they did raise my CL right around January 2015.

:D
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Re: credit score
« Reply #595 on: February 15, 2015, 03:58:21 PM »
All's well that ends well
Guess so!
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Offline pixi

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Re: credit score
« Reply #596 on: February 15, 2015, 08:19:32 PM »
Anyone had any success with disputing a hard pull?
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Offline benjie1305

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Re: credit score
« Reply #597 on: February 15, 2015, 08:26:15 PM »
Anyone had any success with disputing a hard pull?

What is the reason for the dispute? Unauthorized pull?
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Re: credit score
« Reply #598 on: February 15, 2015, 08:29:32 PM »
What is the reason for the dispute? Unauthorized pull?
Yes
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Offline benjie1305

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Re: credit score
« Reply #599 on: February 15, 2015, 08:31:08 PM »
Yes

Read upthread. Might not be super fast and easy but you should be able to dispute it.
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