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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 810414 times)

Offline D93

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Re: credit score
« Reply #1120 on: October 07, 2015, 07:07:07 PM »
I live in PA.

It's normal for Chase to pull TU and EX.

Offline TimT

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Offline ChaimMoskowitz

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Re: credit score
« Reply #1122 on: October 07, 2015, 07:30:21 PM »
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..
If your ethics think it is OK to lie if this situation then go for it.  :)
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Offline CS91

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Re: credit score
« Reply #1123 on: October 07, 2015, 07:58:18 PM »

Offline yochiek93

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Re: credit score
« Reply #1124 on: October 07, 2015, 08:18:55 PM »
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..
for that we have an ethics thread without reading through it im sure this question was asked.

Offline tjak

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Re: credit score
« Reply #1125 on: October 08, 2015, 09:52:46 PM »

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..
Does it need to be a denial? I'm reading the paper from an approved card and it tells me under federal law I have 60 days to obtain a report free of charge.

Offline David Smith

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Re: credit score
« Reply #1126 on: October 08, 2015, 10:13:58 PM »
Does it need to be a denial? I'm reading the paper from an approved card and it tells me under federal law I have 60 days to obtain a report free of charge.
Nope. If your credit report was used in any fashion for the credit card (such as a factor in determining your credit limit) you are entitled to a copy of your report. This includes basically any credit application.
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 Ydad

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Re: credit score
« Reply #1127 on: October 08, 2015, 10:25:10 PM »
Does it need to be a denial? I'm reading the paper from an approved card and it tells me under federal law I have 60 days to obtain a report free of charge.
That definitely works. But like I said this is all ethics. Experian doesn't check at all. I wonder if they even can...

Offline ChaimMoskowitz

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Re: credit score
« Reply #1128 on: October 09, 2015, 12:34:23 AM »
If your credit report was used in any fashion for the credit card (such as a factor in determining your credit limit) you are entitled to a copy of your report. This includes basically any credit application.
Link or source?
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Offline Chapshnell

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Re: credit score
« Reply #1129 on: October 09, 2015, 12:37:53 AM »
Govt rule iirc

Offline ChaimMoskowitz

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Re: credit score
« Reply #1130 on: October 09, 2015, 12:40:08 AM »
Govt rule iirc
That they have to provide a copy of your CR when no AA was taken?
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Offline a mirrer

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Re: credit score
« Reply #1131 on: October 09, 2015, 04:43:47 AM »
That they have to provide a copy of your CR when no AA was taken?
IINM if you think that they should have given you a bigger credit line then that is considered AA

Offline ChaimMoskowitz

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Re: credit score
« Reply #1132 on: October 09, 2015, 06:39:39 AM »
IINM if you think that they should have given you a bigger credit line then that is considered AA
I like your way of thinking but it doesn't work that way.
I just found a new supply of forks!

Offline a mirrer

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Re: credit score
« Reply #1133 on: October 09, 2015, 07:08:17 AM »
I like your way of thinking but it doesn't work that way.
i got this together with my approval for the spg personal

Offline ChaimMoskowitz

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Re: credit score
« Reply #1134 on: October 09, 2015, 07:15:03 AM »
i got this together with my approval for the spg personal
It might be because of the interest rate they are charging you.
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Offline Tywin

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Re: credit score
« Reply #1135 on: October 09, 2015, 05:58:23 PM »
It might be because of the interest rate they are charging you.
+1

Offline Tywin

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Re: credit score
« Reply #1136 on: October 09, 2015, 06:00:48 PM »
That definitely works. But like I said this is all ethics. Experian doesn't check at all. I wonder if they even can...
This has been my experience.  I don't think Experian checks.

Offline Hidden

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Re: credit score
« Reply #1137 on: October 12, 2015, 03:10:21 PM »
Does Experian's view your report again work for anyone?
stopped working for me :'(

Offline David Smith

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Re: credit score
« Reply #1138 on: October 12, 2015, 03:11:41 PM »
Does Experian's view your report again work for anyone?
stopped working for me :'(
Working for me, but I'm within 60 days of a dispute.
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

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Re: credit score
« Reply #1139 on: October 12, 2015, 03:13:35 PM »
Working for me, but I'm within 60 days of a dispute.
So am i