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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 »

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Author Topic: credit score  (Read 837817 times)

Offline Venilla

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Re: credit score
« Reply #1920 on: December 23, 2015, 05:19:26 PM »
Quote from: caliheat on December 23, 2015, 05:18:02 PM
I have disputed on 10+ separate occasions with maximum days..
I guess YMMV
How did you dispute, online?
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I like vanilla but my name is Venilla.

Offline PillanSmye

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Re: credit score
« Reply #1921 on: December 23, 2015, 11:56:32 PM »
Quote from: ya on December 23, 2015, 04:10:05 PM
disputed online. using the free credit report number But both have a completion date of the investigation 30 days after i disputed.
They can still take 45 days +5 for the mail
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Offline ya

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Re: credit score
« Reply #1922 on: December 23, 2015, 11:57:12 PM »
Quote from: PillanSmye on December 23, 2015, 11:56:32 PM
They can still take 45 days +5 for the mail
Do they
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Offline PillanSmye

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Re: credit score
« Reply #1923 on: December 23, 2015, 11:58:08 PM »
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Offline Emkay

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Re: credit score
« Reply #1924 on: December 24, 2015, 02:51:06 AM »
Can someone post numbers of all 3 CBs that they were successful with reaching a human and disputing something? I do not have a CR number and I can't dispute online
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Offline caliheat

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Re: credit score
« Reply #1925 on: December 24, 2015, 10:32:09 AM »
Quote from: Emkay on December 24, 2015, 02:51:06 AM
Can someone post numbers of all 3 CBs that they were successful with reaching a human and disputing something? I do not have a CR number and I can't dispute online
gethuman.com
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Offline Labeled1

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Re: credit score
« Reply #1926 on: December 24, 2015, 10:34:53 AM »
Quote from: Emkay on December 24, 2015, 02:51:06 AM
Can someone post numbers of all 3 CBs that they were successful with reaching a human and disputing something? I do not have a CR number and I can't dispute online

I haven't had to call, but I use https://gethuman.com/ to find the best customer service phone numbers for companies.
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Offline Emkay

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Re: credit score
« Reply #1927 on: December 24, 2015, 10:40:07 AM »
Quote from: Labeled1 on December 24, 2015, 10:34:53 AM
I haven't had to call, but I use https://gethuman.com/ to find the best customer service phone numbers for companies.
Tried those already
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Offline Cappy

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Re: credit score
« Reply #1928 on: December 24, 2015, 11:02:41 AM »
Quote from: Emkay on December 24, 2015, 02:51:06 AM
Can someone post numbers of all 3 CBs that they were successful with reaching a human and disputing something? I do not have a CR number and I can't dispute online

TU: 18009168800 press 4 than press 2 (does work)

EQ:  18008465279 closed  Today

17148307000 (call and press 0. You will get to a switchboard operator. Tell them you just called and put in your report number and it 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 anyone for EX)

Ask them to connect you to an American call center if you don't feel like speaking to someone in a outsourced center.

Good luck  ;)
 
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Offline Cappy

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Re: credit score
« Reply #1929 on: December 24, 2015, 02:35:43 PM »
Emkay, did these numbers work for you?
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Offline Emkay

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Re: credit score
« Reply #1930 on: December 24, 2015, 02:37:45 PM »
Quote from: Cappy on December 24, 2015, 02:35:43 PM
Emkay, did these numbers work for you?
Thanks alot. Didn't call yet but will report back when I do
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Offline David Smith

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Re: credit score
« Reply #1931 on: December 24, 2015, 02:38:23 PM »
Interesting, I never had a problem getting a human. I have all the numbers written down, I'll try to post them soon.
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Offline Cappy

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Re: credit score
« Reply #1932 on: December 24, 2015, 02:45:50 PM »
Quote from: David Smith on December 24, 2015, 02:38:23 PM
Interesting, I never had a problem getting a human. I have all the numbers written down, I'll try to post them soon.

Let's compare notes ;)

The Experian number, if it's not the same I provided. the number won't get you anywhere without a report number.

The number I provided will get you to the switchboard enabling them to transfer you directly cutting out the report number.
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Offline Zalc

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Re: credit score
« Reply #1933 on: December 24, 2015, 03:00:57 PM »
Interesting, I had no problem getting to a human at EX by calling 1-800-EXPERIAN...

Maybe it is because I was trying to put in a freeze. I guess you can do that, then when you get a human you switch to what you wanted...
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Offline David Smith

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Re: credit score
« Reply #1934 on: December 24, 2015, 03:08:08 PM »
Quote from: Cappy on December 24, 2015, 02:45:50 PM
Let's compare notes ;)

The Experian number, if it's not the same I provided. the number won't get you anywhere without a report number.

The number I provided will get you to the switchboard enabling them to transfer you directly cutting out the report number.
The numbers I used:
EX 800 493 1058
EQ 800 846 5279
TU 800 916 8800
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Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
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Offline Cappy

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Re: credit score
« Reply #1935 on: December 24, 2015, 03:10:37 PM »

Quote from: David Smith on December 24, 2015, 03:08:08 PM
The numbers I used:
EX 800 493 1058
EQ 800 846 5279
TU 800 916 8800

All the same except EX

That 800 number for EX is fine if you have your report number. If you don't, you need to use the number I provided to go via the SB.
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Offline David Smith

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Re: credit score
« Reply #1936 on: December 24, 2015, 03:11:50 PM »
Quote from: Cappy on December 24, 2015, 03:10:37 PM
All the same except EX

That 800 number for EX is fine if you have your report number. If you don't, you need to use the number I provided to go via the SB.
Interesting, I've never had a problem not having a report number. Give me a minute, I'll call and see what I press.
ETA: closed for the holiday.
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Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
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Offline Cappy

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Re: credit score
« Reply #1937 on: December 24, 2015, 03:17:53 PM »
Experian: 800-493-1058 With A Report Number
Experian: 714-830-7000 Without A Report Number (call and press 0. You will get to a switchboard operator. Tell them you just called and put in your report number and it 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 anyone for EX without a report number)
Equifax: 800-846-5279
TransUnion: 800-916-8800
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Offline Zalc

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Re: credit score
« Reply #1938 on: December 24, 2015, 04:30:21 PM »
Quote from: Cappy on December 24, 2015, 03:17:53 PM
Experian...
Thanks!

I'm on Tapatalk, can someone add this to the thread Wiki please?
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Offline Cappy

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Re: credit score
« Reply #1939 on: December 24, 2015, 04:36:57 PM »
Quote from: Zalc on December 24, 2015, 04:30:21 PM
Thanks!

I'm on Tapatalk, can someone add this to the thread Wiki please?

I added it to the wiki
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