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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 809766 times)

Offline David Smith

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Re: credit score
« Reply #1700 on: December 02, 2015, 11:50:11 PM »
dont think so. i think its that crappy overdrawn account i was an au on that i removed from my report that did it
That makes sense.
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 PillanSmye

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Re: credit score
« Reply #1701 on: December 04, 2015, 11:09:44 AM »
dont think so. i think its that crappy overdrawn account i was an au on that i removed from my report that did it

A +100% card will definitely draw down scores.  Also, every month your overall history ages.  Individual accounts age, INQ's age, bad stuff ages, AAoA rises etc.

Offline Mendelssohn

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Re: credit score
« Reply #1702 on: December 04, 2015, 05:18:46 PM »
Exactly. Any card over 90% is considered maxed out and will tank your scores.

Offline pixi

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Re: credit score
« Reply #1703 on: December 05, 2015, 08:43:03 PM »
My fico score dropped more then a bit ,  I have zero negative accounts on my CR,  no late payments, utilization is less the 30% ( probably under 20%)  non of my cards where closed,  didn't apply for any card recently,  what else can cause my score should drop?
money doesn't talk......      it SCREAMS !

Offline Hershelsdeals

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Re: credit score
« Reply #1704 on: December 05, 2015, 08:50:50 PM »
My fico score dropped more then a bit ,  I have zero negative accounts on my CR,  no late payments, utilization is less the 30% ( probably under 20%)  non of my cards where closed,  didn't apply for any card recently,  what else can cause my score should drop?
Check your CR.

Offline Emkay

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Re: credit score
« Reply #1705 on: December 06, 2015, 02:46:42 AM »
Check your CR.
I have the same issue. I checked my report and nothing there

Offline Wizard

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Re: credit score
« Reply #1706 on: December 06, 2015, 03:52:24 AM »
Anyone know if the free Credit score from BillGuard is FAKO or FICO?
If you are trying to get my attention/assistance and I'm not responding, please feel free to PM me. :)

Offline Emkay

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Re: credit score
« Reply #1707 on: December 06, 2015, 03:59:03 AM »
Anyone know if the free Credit score from BillGuard is FAKO or FICO?
Never heard of BillGuard but its FAKO

Offline Wizard

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Re: credit score
« Reply #1708 on: December 06, 2015, 04:01:26 AM »
Never heard of BillGuard but its FAKO
So how you know?
If you are trying to get my attention/assistance and I'm not responding, please feel free to PM me. :)

Offline Emkay

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Re: credit score
« Reply #1709 on: December 06, 2015, 04:03:59 AM »
So how you know?
I'm smart like that

Offline Wizard

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Re: credit score
« Reply #1710 on: December 06, 2015, 04:14:52 AM »
I'm smart like that
:) You're probably right but I wanted someone that knows forsure
If you are trying to get my attention/assistance and I'm not responding, please feel free to PM me. :)

Offline Emkay

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Re: credit score
« Reply #1711 on: December 06, 2015, 04:30:12 AM »
:) You're probably right but I wanted someone that knows forsure
Do you pay for it or its free?

Offline Mendelssohn

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Re: credit score
« Reply #1712 on: December 06, 2015, 07:20:12 AM »
Anyone know if the free Credit score from BillGuard is FAKO or FICO?

FAKO.

Unless it says FICO, it's not.

You'll notice that when FICO scores are provided, that is mentioned very clearly.  When "credit score" is mentioned, that generally means FAKO.

Offline pixi

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Re: credit score
« Reply #1713 on: December 06, 2015, 09:02:13 AM »
Check your CR.
Checked, nothing wrong with it.
money doesn't talk......      it SCREAMS !

Offline Mendelssohn

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Re: credit score
« Reply #1714 on: December 06, 2015, 09:07:58 AM »
My fico score dropped more then a bit ,  I have zero negative accounts on my CR,  no late payments, utilization is less the 30% ( probably under 20%)  non of my cards where closed,  didn't apply for any card recently,  what else can cause my score should drop?

Did the number of cards reporting a balance change?

What's the highest utilization on an individual card?

Are you checking paper copies of your reports directly from the CRAs?

It's always possible that you got rebucketed.

Offline pixi

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Re: credit score
« Reply #1715 on: December 06, 2015, 09:09:30 AM »


Did the number of cards reporting a balance change?

What's the highest utilization on an individual card?

Are you checking paper copies of your reports directly from the CRAs?

It's always possible that you got rebucketed.

Reported a balance change but not a higher change,

14%

Credit Karma

money doesn't talk......      it SCREAMS !

Offline Mendelssohn

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Re: credit score
« Reply #1716 on: December 06, 2015, 09:52:03 AM »

Reported a balance change but not a higher change,

14%

Credit Karma

I'm assuming you weren't also referring to your CK scores, because those are not FICOs.

Those are also not your real reports. Get paper copies through the mail from each CRA.

Offline David Smith

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Re: credit score
« Reply #1717 on: December 06, 2015, 09:58:35 AM »
I'm assuming you weren't also referring to your CK scores, because those are not FICOs.

Those are also not your real reports. Get paper copies through the mail from each CRA.
Only free once a year... or almost any time you get a credit line or dispute something.
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 Mendelssohn

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Re: credit score
« Reply #1718 on: December 06, 2015, 12:08:16 PM »
Only free once a year... or almost any time you get a credit line or dispute something.

If you suspect that you might need to dispute something, you don't want the free annual credit report anyway. That gives the CRAs 45 days to complete disputes instead of 30.

Free reports for other reasons are still 30 days.

Paper reports directly from the CRAs are the only way to go if you suspect there is an issue. If you have to pay for them, it's well worth it.

Offline Wizard

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Re: credit score
« Reply #1719 on: December 06, 2015, 12:11:26 PM »
Do you pay for it or its free?
Free. Maybe you can check it out and lemme know? BillGuard.com
If you are trying to get my attention/assistance and I'm not responding, please feel free to PM me. :)