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 809345 times)

Offline TimT

  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • ********
  • Join Date: Dec 2013
  • Posts: 22077
  • Total likes: 7130
  • DansDeals.com Hat Tips 12
    • View Profile
Re: credit score
« Reply #720 on: June 01, 2015, 06:26:55 PM »
Where can i pay to have monthly my credit score and credit report? I want to be able to review it constantly  and not interested in opening and closing experian accounts
MyFico has for $24.95 a month

Offline Mordyk

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: May 2013
  • Posts: 4102
  • Total likes: 1015
  • DansDeals.com Hat Tips 3
  • Gender: Male
    • View Profile
  • Programs: Some of this and some of that.
Re: credit score
« Reply #721 on: June 01, 2015, 06:29:33 PM »
MyFico has for $24.95 a month
Is that the cheapest?
#TYH

Offline Elikip

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: May 2013
  • Posts: 976
  • Total likes: 37
  • DansDeals.com Hat Tips 8
    • View Profile
  • Location: NY
Re: credit score
« Reply #722 on: June 01, 2015, 07:30:06 PM »
Is that the cheapest?

Having a chase slate card gives you access to your Fico score

Offline Mordyk

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: May 2013
  • Posts: 4102
  • Total likes: 1015
  • DansDeals.com Hat Tips 3
  • Gender: Male
    • View Profile
  • Programs: Some of this and some of that.
Re: credit score
« Reply #723 on: June 01, 2015, 07:30:40 PM »
Having a chase slate card gives you access to your Fico score
Inhave the score, i want the report
#TYH

Offline avromie7

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Feb 2014
  • Posts: 8188
  • Total likes: 2713
  • DansDeals.com Hat Tips 6
    • View Profile
  • Location: Lakewood
Re: credit score
« Reply #724 on: June 01, 2015, 09:07:52 PM »
Inhave the score, i want the report
keep your experian report number it stays active as long as you check it every 90 days
I wonder what people who type "u" instead of "you" do with all their free time.

Offline Mordyk

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: May 2013
  • Posts: 4102
  • Total likes: 1015
  • DansDeals.com Hat Tips 3
  • Gender: Male
    • View Profile
  • Programs: Some of this and some of that.
Re: credit score
« Reply #725 on: June 01, 2015, 09:17:19 PM »
keep your experian report number it stays active as long as you check it every 90 days
And it constantly gets updated?
#TYH

Offline avromie7

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Feb 2014
  • Posts: 8188
  • Total likes: 2713
  • DansDeals.com Hat Tips 6
    • View Profile
  • Location: Lakewood
Re: credit score
« Reply #726 on: June 01, 2015, 09:17:53 PM »
And it constantly gets updated?
yes
I wonder what people who type "u" instead of "you" do with all their free time.

Offline cwerz

  • DansDeals Copper Elite
  • *
  • Join Date: Dec 2012
  • Posts: 4
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: NY
Re: credit score
« Reply #727 on: June 02, 2015, 01:20:24 PM »
Just as a Quick note:

https://www.creditchecktotal.com/ Recently (This monthy) Started offering Fico Scores + Unlimited Credit Reports (All 3)

The Price on Site is 29.95 a Month -- but if you call in after 7 Days trial to cancel - you can get it for $15

Offline YitzyS

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Jan 2015
  • Posts: 5552
  • Total likes: 13695
  • DansDeals.com Hat Tips 34
  • Gender: Male
    • View Profile
  • Location: Lakewood, NJ
Re: credit score
« Reply #728 on: June 02, 2015, 03:28:49 PM »
Where can i pay to have monthly my credit score and credit report? I want to be able to review it constantly  and not interested in opening and closing experian accounts
Why can't you just keep open the Experian account. When I called to cancel, they offered it to me for $10 (for 6 months). I want to actively monitor my report, and Experian is the most relevant agency. I've been using it the last few months to really see when to apply for cards.

Offline nobiggy

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Dec 2012
  • Posts: 2341
  • Total likes: 14
  • DansDeals.com Hat Tips 7
    • View Profile
  • Location: forums
Re: credit score
« Reply #729 on: June 02, 2015, 03:37:49 PM »
keep your experian report number it stays active as long as you check it every 90 days
where do I check it?

This is what it said:
   
For your protection, the results of your investigations are available online for 30 days. Your 30-day period has expired.



Offline avromie7

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Feb 2014
  • Posts: 8188
  • Total likes: 2713
  • DansDeals.com Hat Tips 6
    • View Profile
  • Location: Lakewood
Re: credit score
« Reply #730 on: June 02, 2015, 03:39:59 PM »
where do I check it?

This is what it said:

For your protection, the results of your investigations are available online for 30 days. Your 30-day period has expired.
Experian.com/viewreport
I wonder what people who type "u" instead of "you" do with all their free time.

Offline nobiggy

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Dec 2012
  • Posts: 2341
  • Total likes: 14
  • DansDeals.com Hat Tips 7
    • View Profile
  • Location: forums
Re: credit score
« Reply #731 on: June 02, 2015, 03:41:31 PM »
Experian.com/viewreport

It's within 90 days and gives me this message: We are unable to honor your request for online access.

Offline avromie7

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Feb 2014
  • Posts: 8188
  • Total likes: 2713
  • DansDeals.com Hat Tips 6
    • View Profile
  • Location: Lakewood
Re: credit score
« Reply #732 on: June 02, 2015, 04:05:56 PM »
It's within 90 days and gives me this message: We are unable to honor your request for online access.
I had issues with it so I left it for a little and then it let me in again
You can also try incognito
I wonder what people who type "u" instead of "you" do with all their free time.

Offline Marco Polo

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Jul 2012
  • Posts: 13121
  • Total likes: 49
  • DansDeals.com Hat Tips 104
  • Gender: Male
    • View Profile
Re: credit score
« Reply #733 on: June 02, 2015, 04:15:50 PM »
I see that i have a two credit pulls from the same bank/institution (Corelogic Credco) on the same day for an auto loan. One was initiated from the leasing company, the other car company. Can those be merged?
Quaerite et Invenietis.

Offline Ydad

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Nov 2014
  • Posts: 682
  • Total likes: 13
  • DansDeals.com Hat Tips 0
    • View Profile
Re: credit score
« Reply #734 on: June 02, 2015, 04:34:03 PM »
Is amex's credit score for real? They are telling me my score stayed at 776 even though I had a hard pull over the last month. Or are hard pulls less then they are cranked up to be?

Offline Boruch999

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Jun 2014
  • Posts: 1929
  • Total likes: 186
  • DansDeals.com Hat Tips 0
    • View Profile
Re: credit score
« Reply #735 on: June 02, 2015, 05:51:19 PM »
It's within 90 days and gives me this message: We are unable to honor your request for online access.

If you have a report #,  try this

https://www.experian.com/consumer/cac/InvalidateSession.do?code=DISPUTE

Offline nobiggy

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Dec 2012
  • Posts: 2341
  • Total likes: 14
  • DansDeals.com Hat Tips 7
    • View Profile
  • Location: forums
Re: credit score
« Reply #736 on: June 02, 2015, 05:54:00 PM »
Thanks! Worked like magic.

Offline TimT

  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • ********
  • Join Date: Dec 2013
  • Posts: 22077
  • Total likes: 7130
  • DansDeals.com Hat Tips 12
    • View Profile
Re: credit score
« Reply #737 on: June 02, 2015, 06:03:06 PM »
Is amex's credit score for real? They are telling me my score stayed at 776 even though I had a hard pull over the last month. Or are hard pulls less then they are cranked up to be?
There are several things that factor in.

Offline nobiggy

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Dec 2012
  • Posts: 2341
  • Total likes: 14
  • DansDeals.com Hat Tips 7
    • View Profile
  • Location: forums
Re: credit score
« Reply #738 on: June 02, 2015, 06:05:01 PM »
How do I get amex credit score?

Offline yitrap

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Apr 2014
  • Posts: 3288
  • Total likes: 55
  • DansDeals.com Hat Tips 1
  • Gender: Male
    • View Profile
Re: credit score
« Reply #739 on: June 02, 2015, 06:07:50 PM »
How do I get amex credit score?
It's being rolled out gradually, you can try chatting I don't recall anyone getting it though.