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 809471 times)

Offline noturbizniss

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Re: credit score
« Reply #1100 on: September 25, 2015, 02:11:03 PM »
Wellcom to DDF.  It's scores not skores
Th CK score is probably accurate to call a skore :-)
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.
-1/3 (at least). With Ex when signing up for $1 trial they give FICO 8. I think TU and EQ also give it with trial
READ THE DARN WIKI!!!!

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Offline noturbizniss

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Re: credit score
« Reply #1101 on: September 25, 2015, 02:11:39 PM »
I guess your you're in a good mood today.  I still remember how you acted a while ago when someone didn't post with the proper grammar.
FTFY
READ THE DARN WIKI!!!!

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Offline ChaimMoskowitz

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Re: credit score
« Reply #1102 on: September 25, 2015, 02:13:33 PM »
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.
You sure it was me? With my grammar I usually keep my mouth shut about that stuff.
I just found a new supply of forks!

Offline pixi

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Re: credit score
« Reply #1103 on: September 25, 2015, 02:14:17 PM »
money doesn't talk......      it SCREAMS !

Offline pixi

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Re: credit score
« Reply #1104 on: September 25, 2015, 02:16:57 PM »
You sure it was me? With my grammar I usually keep my mouth shut about that stuff.
Pretty much.  If I remember good it was in the red card thread in the good old days
money doesn't talk......      it SCREAMS !

Offline ChaimMoskowitz

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Re: credit score
« Reply #1105 on: September 25, 2015, 02:28:57 PM »
Pretty much.  If I remember good it was in the red card thread in the good old days
Not saying you are wrong but a link would be nice to see why I took that route.
I just found a new supply of forks!

Offline VintageWillow

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Re: credit score
« Reply #1106 on: September 25, 2015, 03:08:36 PM »
I use the term "skore" when referring to a FAKO and "score" when referring to a FICO.  Helps me keep my dyslexic mind in order.

Offline pixi

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Re: credit score
« Reply #1107 on: September 25, 2015, 03:10:05 PM »
I use the term "skore" when referring to a FAKO and "score" when referring to a FICO.  Helps me keep my dyslexic mind in order.
money doesn't talk......      it SCREAMS !

Offline jameswacht

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Re: credit score
« Reply #1108 on: September 29, 2015, 10:44:29 PM »
if u call experian will they consolidate a few chase hard pulls that are a few days apart into one pull?

Offline PETERP

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Re: credit score
« Reply #1109 on: September 29, 2015, 11:19:34 PM »
Pretty much.  If I remember well,  good it was in the red card thread in the good old days
    FTFY  :)

Offline noturbizniss

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Re: credit score
« Reply #1110 on: September 29, 2015, 11:21:37 PM »
if u call experian will they consolidate a few chase hard pulls that are a few days apart into one pull?
Not if they were legit. If it was a cc app but they delayed it, then they may, but def not if you just ask.
READ THE DARN WIKI!!!!

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

Offline tjak

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Re: credit score
« Reply #1111 on: October 07, 2015, 02:31:41 PM »
https://www.experian.com/consumer/cac/InvalidateSession.do?code=DISPUTE

That's the link to get your EX report for free forever once you have a report number.

I'm looking for an appropriate wiki to put it in so I can easily find it when I need it.  Any ideas?
when I try using this I get this msg
Quote
We were unable to honor your request as you have exceeded the maximum number of views allowed for this report number. To order a new copy, visit annualcreditreport.com, experian.com/help or call 1 888 EXPERIAN.
did this work around come to an end?

Offline Ydad

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Re: credit score
« Reply #1112 on: October 07, 2015, 02:58:31 PM »
when I try using this I get this msg  did this work around come to an end?
That worked without having to check every ~90 days?

Offline tjak

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Re: credit score
« Reply #1113 on: October 07, 2015, 02:59:20 PM »

That worked without having to check every ~90 days?
No.

Offline Ydad

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Re: credit score
« Reply #1114 on: October 07, 2015, 03:00:08 PM »

Offline noturbizniss

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Re: credit score
« Reply #1115 on: October 07, 2015, 04:09:23 PM »
READ THE DARN WIKI!!!!

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

Offline Ydad

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credit score
« Reply #1116 on: October 07, 2015, 05:35:59 PM »
those all seem to be dead.
As far as experian goes you can always claim you had a credit denial within the last 60 days. They don't check the length of time... But I don't know about the ethics of that..
« Last Edit: October 07, 2015, 05:43:38 PM by Ydad »

Offline CS91

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Re: credit score
« Reply #1117 on: October 07, 2015, 05:52:56 PM »
Just realized that Chase pulled TU and EX for a single application. Is this normal, or should I get one of them removed?

Offline D93

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Re: credit score
« Reply #1118 on: October 07, 2015, 06:32:20 PM »
Just realized that Chase pulled TU and EX for a single application. Is this normal, or should I get one of them removed?
Which state?

Offline CS91

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Re: credit score
« Reply #1119 on: October 07, 2015, 07:04:57 PM »