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 810842 times)

Offline ChaimMoskowitz

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Re: credit score
« Reply #1080 on: September 24, 2015, 04:22:41 PM »
I did a 3bm and received 2 instant approvals. I can't know if the same thing would have happened if I did one at a time.
I just found a new supply of forks!

Offline @Yehuda

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Re: credit score
« Reply #1081 on: September 24, 2015, 04:45:31 PM »
I did a 3bm and received 2 instant approvals. I can't know if the same thing would have happened if I did one at a time.
From everything I've been reading, it made no difference. The computers don't get "tricked" because you click submit within 5 seconds of the last app.

Offline noturbizniss

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Re: credit score
« Reply #1082 on: September 25, 2015, 09:20:10 AM »
For the record I just checked credit karma, and my score went up 80 friggin points. I had utilization go from 67% on one card to 5% and also had a card opened in 1975 removed somehow from my report. Just goes to show you how FAKO it is.
READ THE DARN WIKI!!!!

Chuck Norris...
...can still do FT method
...READS THE WIKI!!!

Offline ChaimMoskowitz

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Re: credit score
« Reply #1083 on: September 25, 2015, 09:23:33 AM »
It case someone has missed this.

CK IS 100% USELESS!
I just found a new supply of forks!

Offline noturbizniss

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Re: credit score
« Reply #1084 on: September 25, 2015, 09:30:30 AM »
It case someone has missed this.

CK IS 100% 99% USELESS!
-1%
FTFY. It's good for seeing your credit report. The score is useless.
READ THE DARN WIKI!!!!

Chuck Norris...
...can still do FT method
...READS THE WIKI!!!

Offline ChaimMoskowitz

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Re: credit score
« Reply #1085 on: September 25, 2015, 09:34:13 AM »
-1%
FTFY. It's good for seeing your credit report. The score is useless.
I don't think you understood me correctly.
CK IS 100% USELESS!
ETA: Seeing your report is only useful if the report is accurate. This is not always the case with CK.
« Last Edit: September 25, 2015, 09:37:40 AM by ChaimMoskowitz »
I just found a new supply of forks!

Offline Sport

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Re: credit score
« Reply #1086 on: September 25, 2015, 09:36:04 AM »
It case someone has missed this.

CK IS 100% USELESS!
+100 I have a +70 point discrepancy between ck and my fico.

Offline TorontoGuy

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Credit Report for American Citizen Abroad
« Reply #1087 on: September 25, 2015, 12:24:58 PM »
I am an ACA(American Citizen Abroad) and when I applied for my SSC (Social Securiy Card) I gave them my Canadian address. How can I get a credit report?

Offline pixi

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Re: credit score
« Reply #1088 on: September 25, 2015, 12:51:51 PM »
It case someone has missed this.

CK IS 100% USELESS!
The score they show isn't from TransUnion and Equifax?
money doesn't talk......      it SCREAMS !

Offline ChaimMoskowitz

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Re: credit score
« Reply #1089 on: September 25, 2015, 12:53:41 PM »
The score they show isn't from TransUnion and Equifax?
It is not a FICO score.
I just found a new supply of forks!

Offline pixi

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Re: credit score
« Reply #1090 on: September 25, 2015, 12:56:40 PM »
It is not a FICO score.
I know.  so you are telling me that the score TransUnion or Equifax gives are useless as well.  Right?
money doesn't talk......      it SCREAMS !

Offline noturbizniss

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Re: credit score
« Reply #1091 on: September 25, 2015, 12:57:39 PM »
I know.  so you are telling me that the score TransUnion or Equifax gives are useless as well.  Right?
no. The ones you get from the CB's are usually FICO scores. They'll say what they are.
READ THE DARN WIKI!!!!

Chuck Norris...
...can still do FT method
...READS THE WIKI!!!

Offline ChaimMoskowitz

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Re: credit score
« Reply #1092 on: September 25, 2015, 12:58:16 PM »
I know.  so you are telling me that the score TransUnion or Equifax gives are useless as well.  Right?
They both have FICO and FAKO scores. The FAKO scores like CK are useless.
I just found a new supply of forks!

Offline David Smith

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Re: credit score
« Reply #1093 on: September 25, 2015, 01:40:35 PM »
They both have FICO and FAKO scores. The FAKO scores like CK are useless.
Score is garbage, report can be helpful (although not 100%accurate always).
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 #1094 on: September 25, 2015, 01:43:09 PM »
They both have FICO and FAKO scores. The FAKO scores like CK are useless.
So the scores what CK  gives isn't from TransUnion and Equifax even though they are saying it is?
money doesn't talk......      it SCREAMS !

Offline ChaimMoskowitz

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Re: credit score
« Reply #1095 on: September 25, 2015, 01:46:31 PM »
So the scores what CK  gives isn't from TransUnion and Equifax even though they are saying it is?
They are but FAKO's. They are based on your TU and EQ reports.
I just found a new supply of forks!

Offline VintageWillow

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Re: credit score
« Reply #1096 on: September 25, 2015, 01:55:24 PM »
The skores they give you are based on the information in your TU and EQ credit report.  The skore model they use is called Vantage.  The skores that the CRAs give are also FAKO unless you are using Credit Check Total or something like that that explicitly states that they are FICO scores.

Offline pixi

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Re: credit score
« Reply #1097 on: September 25, 2015, 01:59:14 PM »
The skores they give you are based on the information in your TU and EQ credit report.  The skore model they use is called Vantage.  The skores that the CRAs give are also FAKO unless you are using Credit Check Total or something like that that explicitly states that they are FICO scores.
Wellcom to DDF.  It's scores not skores
money doesn't talk......      it SCREAMS !

Offline ChaimMoskowitz

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Re: credit score
« Reply #1098 on: September 25, 2015, 02:09:18 PM »
Wellcom to DDF.  It's scores not skores
Focus on the substance not spell check.  ;)
I just found a new supply of forks!

Offline pixi

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Re: credit score
« Reply #1099 on: September 25, 2015, 02:10:56 PM »
Focus on the substance not spell check.  ;)
I guess your in a good mood today.  I still remember how you acted a while ago when someone didn't post with the proper grammar.
money doesn't talk......      it SCREAMS !