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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 809468 times)

Offline PETERP

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Re: credit score
« Reply #1040 on: September 22, 2015, 02:39:57 PM »
That is the Credit agency they use when processing an application. If they are showing your "FICO" score, they should be the same on both.

Assuming update on same date .

Offline TimT

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Re: credit score
« Reply #1041 on: September 22, 2015, 03:08:46 PM »
That is the Credit agency they use when processing an application. If they are showing your "FICO" score, they should be the same on both.
They have different methods of determining the score.

Offline VintageWillow

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Re: credit score
« Reply #1042 on: September 22, 2015, 03:24:57 PM »
It is also the CB they use to generate the FICO score.  You have a different FICO for each of the CB's since your reports are very rarely identical.  Amex uses EX for both applications and for their score tracker and Barclay's uses TU.

Offline ChaimMoskowitz

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Re: credit score
« Reply #1043 on: September 22, 2015, 06:13:35 PM »
That is the Credit agency they use when processing an application. If they are showing your "FICO" score, they should be the same on both.
There are many different flavors of FICO. Does all ice cream taste the same?  ;)
I just found a new supply of forks!

Offline PETERP

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Re: credit score
« Reply #1044 on: September 22, 2015, 06:49:35 PM »
There are many different flavors of FICO. Does all ice cream taste the same?  ;)

And on different days?  FICO Score is not a widget .

Offline caliheat

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Re: credit score
« Reply #1045 on: September 22, 2015, 07:45:53 PM »
That is the Credit agency they use when processing an application. If they are showing your "FICO" score, they should be the same on both.
-1

Offline CS91

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Re: credit score
« Reply #1046 on: September 24, 2015, 10:10:02 AM »
Just called Amex and they said they did 3 pulls (I did a 3BM on 08/13 - two instantly approved, and the third was approved on 8/18). They said they pulled my score twice on 8/13 and then another time on 8/18 (one for each app). I asked them to delete two of them but they said no because there is always one pull for every app. Anyone else ever get this from them when they called?

BUMP

Offline D93

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Re: credit score
« Reply #1047 on: September 24, 2015, 10:16:02 AM »
BUMP

Of course they make a separate inquiry for every card, but if it's all done on same day it will merge, so just check your report to see exactly how many inquires it shows.

Offline CS91

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Re: credit score
« Reply #1048 on: September 24, 2015, 10:21:27 AM »
Of course they make a separate inquiry for every card, but if it's all done on same day it will merge, so just check your report to see exactly how many inquires it shows.

Ah, okay. So the 2 that we're approved on the same day should merge, and then I should call to get the pull from a few days later dropped. Right?

Offline Ydad

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Re: credit score
« Reply #1049 on: September 24, 2015, 10:32:59 AM »
Ah, okay. So the 2 that we're approved on the same day should merge, and then I should call to get the pull from a few days later dropped. Right?
Call Experian to get the pull removed, not Amex.

Offline pixi

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Re: credit score
« Reply #1050 on: September 24, 2015, 11:35:50 AM »
What's the reason when doing 2BM  it has to be different browsers?
money doesn't talk......      it SCREAMS !

Offline David Smith

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Re: credit score
« Reply #1051 on: September 24, 2015, 11:38:45 AM »
What's the reason when doing 2BM  it has to be different browsers?
So you can submit applications as close together as possible, to help instant approval chances, in my understanding.
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
JTZ

Offline pixi

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Re: credit score
« Reply #1052 on: September 24, 2015, 11:40:35 AM »
So you can submit applications as close together as possible, to help instant approval chances, in my understanding.
I know,  I just want to know the reason why 2 browsers is better then opening 2 tabs in the same browser.
money doesn't talk......      it SCREAMS !

Offline D93

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Re: credit score
« Reply #1053 on: September 24, 2015, 11:40:49 AM »
What's the reason when doing 2BM  it has to be different browsers?

It doesn't have to be

Offline D93

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Re: credit score
« Reply #1054 on: September 24, 2015, 11:41:10 AM »
So you can submit applications as close together as possible, to help instant approval chances, in my understanding.

Nice theory, albeit made up.

Offline pixi

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Re: credit score
« Reply #1055 on: September 24, 2015, 11:42:33 AM »
It doesn't have to be
Well,  actually it does have to be 2 browsers,  the definition of 2BM  is 2 browser method.
money doesn't talk......      it SCREAMS !

Offline David Smith

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Re: credit score
« Reply #1056 on: September 24, 2015, 11:43:03 AM »
Nice theory, albeit made up.
Completely made up. I got that feeling from ddf. I got instant approvals with different and same browser's, so I have no clue.
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
JTZ

Offline pixi

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Re: credit score
« Reply #1057 on: September 24, 2015, 11:43:36 AM »
Completely made up. I got that feeling from ddf. I got instant approvals with different and same browser's, so I have no clue.
All for the same bank?
money doesn't talk......      it SCREAMS !

Offline pixi

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Re: credit score
« Reply #1058 on: September 24, 2015, 11:44:50 AM »
I applied once for a few cc 2 of then was with the same browser It went pending  because it was duplicated application even though it was for 2 other cards.  I'm not sure this is the reason,  that's why  asking.
money doesn't talk......      it SCREAMS !

Offline David Smith

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Re: credit score
« Reply #1059 on: September 24, 2015, 12:00:54 PM »
Called up experian to remove duplicate pull. Quick and painless. Thanks for the assistance!
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
JTZ