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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 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 ExGingi on March 04, 2019, 09:04:57 PM »

Author Topic: credit score  (Read 346061 times)

Offline pixi

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Re: credit score
« Reply #1725 on: December 07, 2015, 01:43:02 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.
Not at all,  CK  score is FAKO as you said,  I said my true FICO score dropped,  for credit reports is CK just as good .
money doesn't talk......      it SCREAMS !

Offline Cappy

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Re: credit score
« Reply #1726 on: December 07, 2015, 09:15:46 AM »
Not at all,  CK  score is FAKO as you said,  I said my true FICO score dropped,  for credit reports is CK just as good .

CK is missing a lot of stuff compared to regular reports...

But for checking basic stuff, it's fine  :)

Offline Cappy

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Re: credit score
« Reply #1727 on: December 07, 2015, 09:17:39 AM »
Ok, thank you guys! Is a FAKO worth anything at all?

No

I could give you a score also and tell you my interpretation as well...

It means nothing  ;)

Offline emjee

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Re: credit score
« Reply #1728 on: December 07, 2015, 01:29:36 PM »
No

I could give you a score also and tell you my interpretation as well...

It means nothing  ;)
So then what's the point to it?

Offline ya

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Re: credit score
« Reply #1729 on: December 07, 2015, 01:31:48 PM »
just leased a car.

Car company did a hard pull and the dealership did a hard pull. Experian wont take it off as they are saying its 2 diff companies. Any ideas?

Offline David Smith

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Re: credit score
« Reply #1730 on: December 07, 2015, 01:32:30 PM »
So then what's the point to it?
It makes people that don't know the difference think that they're getting something worth anything.
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 David Smith

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Re: credit score
« Reply #1731 on: December 07, 2015, 01:33:58 PM »
CK is missing a lot of stuff compared to regular reports...

But for checking basic stuff, it's fine  :)
What specifically do you find CK is missing? (BTW i called EQ the other day, and the phone rep asked me if i got my info from CK.)
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 Cappy

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Re: credit score
« Reply #1732 on: December 07, 2015, 03:54:50 PM »
just leased a car.

Car company did a hard pull and the dealership did a hard pull. Experian wont take it off as they are saying its 2 diff companies. Any ideas?

Why are you so concerned about inquiries?

Offline ya

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Re: credit score
« Reply #1733 on: December 07, 2015, 03:57:35 PM »
Why are you so concerned about inquiries?
If they dont belong there rather not have them there.

Offline ya

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Re: credit score
« Reply #1734 on: December 07, 2015, 03:58:49 PM »
If they dont belong there rather not have them there.
from CK

Why Hard Inquiries Hurt Your Credit Score

While hard inquiries are necessary for certain financial actions, such as applying for a loan or credit card, they should be limited as much as possible. Your credit score may be penalized for multiple hard inquiries because applying for too much credit at one time may indicate that you are desperate for credit, or that you aren't able to qualify for credit. While one hard inquiry will usually just knock a few points off your credit score, multiple hard inquiries in a short amount of time may cause significant damage to your score.

Keep your hard inquiries to one or two a year. Credit Karma data shows that on average, consumers with lower numbers of hard credit inquiries have higher credit scores.

Offline Zalc

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Re: credit score
« Reply #1735 on: December 07, 2015, 06:03:45 PM »
So discover will credit you any statement balance under $2-3 but it will still show the amount in the "last statement balance" area.

Will those $2 go on to my report as the last statement balance for the next 30 days?

Offline Mendelssohn

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Re: credit score
« Reply #1736 on: December 07, 2015, 06:13:48 PM »
Not at all,  CK  score is FAKO as you said,  I said my true FICO score dropped,  for credit reports is CK just as good .

No, it's not.

There is no replacement for paper copies directly from the CRAs.

Offline Mendelssohn

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Re: credit score
« Reply #1737 on: December 07, 2015, 06:15:38 PM »
from CK

Why Hard Inquiries Hurt Your Credit Score

While hard inquiries are necessary for certain financial actions, such as applying for a loan or credit card, they should be limited as much as possible. Your credit score may be penalized for multiple hard inquiries because applying for too much credit at one time may indicate that you are desperate for credit, or that you aren't able to qualify for credit. While one hard inquiry will usually just knock a few points off your credit score, multiple hard inquiries in a short amount of time may cause significant damage to your score.

Keep your hard inquiries to one or two a year. Credit Karma data shows that on average, consumers with lower numbers of hard credit inquiries have higher credit scores.

I know someone who has an 850 EX 08 FICO that dropped exactly 0 points from an inquiry. FICO scores are not as sensitive to inquiries as FAKOs.

Ignore CK.

Offline Mendelssohn

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Re: credit score
« Reply #1738 on: December 07, 2015, 06:16:34 PM »
What specifically do you find CK is missing? (BTW i called EQ the other day, and the phone rep asked me if i got my info from CK.)

Look at payment history. There are generally 2-3 years missing, not to mention other details and inaccuracies.

Offline Mendelssohn

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Re: credit score
« Reply #1739 on: December 07, 2015, 06:17:19 PM »
Ok, thank you guys! Is a FAKO worth anything at all?

No.