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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 828811 times)

Offline newdealseeker

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Re: credit score
« Reply #2160 on: January 18, 2016, 09:57:06 PM »
Quote from: ya on January 18, 2016, 09:52:04 PM
You can get all 3 reports and Fico 8 for $1 https://www.creditchecktotal.com
I'm currently on trial for LifeLock and already got my score, but it's a one time thing, and I see that with Credit Karma it's constantly updated. (Maybe I'm wrong?)
So was wondering if I can rely on that at all.
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Offline newdealseeker

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Re: credit score
« Reply #2161 on: January 18, 2016, 10:06:57 PM »
And what about Credit Sesame?
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Offline ya

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Re: credit score
« Reply #2162 on: January 18, 2016, 10:07:27 PM »
Quote from: newdealseeker on January 18, 2016, 10:06:57 PM
And what about Credit Sesame?
Cs is the same as ck
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Offline newdealseeker

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Re: credit score
« Reply #2163 on: January 18, 2016, 10:22:31 PM »
Quote from: ya on January 18, 2016, 10:07:27 PM
Cs is the same as ck
Reports from the same? Credit Karma is only Equifax and Transunion.
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Offline ya

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Re: credit score
« Reply #2164 on: January 18, 2016, 10:23:09 PM »
Quote from: newdealseeker on January 18, 2016, 10:22:31 PM
Reports from the same? Credit Karma is only Equifax and Transunion.
Cs if I'm not mistaken is just tu
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Offline noturbizniss

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Re: credit score
« Reply #2165 on: January 18, 2016, 10:35:27 PM »
Quote from: ya on January 18, 2016, 10:23:09 PM
Cs if I'm not mistaken is just tu
CS is ex
Quote from: ya on January 18, 2016, 09:52:04 PM
You can get all 3 reports and Fico 8 for $1 https://www.creditchecktotal.com
Can that be churned?
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Offline ya

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Re: credit score
« Reply #2166 on: January 18, 2016, 10:37:17 PM »
Quote from: noturbizniss on January 18, 2016, 10:35:27 PM
CS is exCan that be churned?
Just logged on.  It only says tu .  No mention of anyone else.
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Offline ya

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Re: credit score
« Reply #2167 on: January 18, 2016, 10:37:38 PM »
Quote from: noturbizniss on January 18, 2016, 10:35:27 PM
CS is exCan that be churned?
Yes it can be
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Offline newdealseeker

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Re: credit score
« Reply #2168 on: January 18, 2016, 10:44:08 PM »
Quote from: ya on January 18, 2016, 10:37:17 PM
Just logged on.  It only says tu .  No mention of anyone else.
Is it CS you just logged onto and you see TU only? So what's this:
Quote from: noturbizniss on January 18, 2016, 10:35:27 PM
CS is ex
So who's right?
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Offline ya

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Re: credit score
« Reply #2169 on: January 18, 2016, 10:48:25 PM »
Quote from: newdealseeker on January 18, 2016, 10:44:08 PM
Is it CS you just logged onto and you see TU only? So what's this:So who's right?
I don't know but in the CS app it clearly states only TU
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Offline Zalc

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Re: credit score
« Reply #2170 on: January 19, 2016, 12:07:29 AM »

Quote from: newdealseeker on January 18, 2016, 10:44:08 PM
Is it CS you just logged onto and you see TU only? So what's this:So who's right?

Credit sesame is TU
Credit karma is TU and EQ
Credit.com is EX (no full report access, but shows you issues.)
HT: DoC
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Offline newdealseeker

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Re: credit score
« Reply #2171 on: January 19, 2016, 01:05:20 AM »
Quote from: Zalc on January 19, 2016, 12:07:29 AM
Credit sesame is TU
Credit karma is TU and EQ
Credit.com is EX (no full report access, but shows you issues.)
HT: DoC
Thanks. And according to DoC's comments it's a recent change to TU only.
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Offline noturbizniss

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Re: credit score
« Reply #2172 on: January 19, 2016, 06:40:19 AM »
Quote from: newdealseeker on January 19, 2016, 01:05:20 AM
Thanks. And according to DoC's comments it's a recent change to TU only.
Ah. Haven't used it in a while. Guess I missed that notice.
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Offline Labeled1

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Re: credit score
« Reply #2173 on: January 19, 2016, 10:22:15 AM »
Does anyone know what TU scoring model goes from 300 - 893? I just bought a new car and they used a model I'd never seen before. Is it a Vantage score?
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Offline CS91

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Re: credit score
« Reply #2174 on: January 19, 2016, 11:13:06 AM »
Does Credit Karma also only update the account and inquiry information every 7 days, or the 7 days is just for the "score." Disputed AUs with TU and when I view my real TU report online, the AUs seem to be gone, but still showing on Credit Karma.
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Offline Mordyk

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Re: credit score
« Reply #2175 on: January 19, 2016, 11:17:43 AM »
does a 2 days late payment get onto my credit report?
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Offline yitrap

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Re: credit score
« Reply #2176 on: January 19, 2016, 11:18:29 AM »

Quote from: Mordyk on January 19, 2016, 11:17:43 AM
does a 2 days late payment get onto my credit report?
Iinm all banks won't report it as late till 30 days, I know for sure Chase and amex don't.
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Offline AJK

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Re: credit score
« Reply #2177 on: January 19, 2016, 11:18:44 AM »
Quote from: CS91 on January 19, 2016, 11:13:06 AM
Does Credit Karma also only update the account and inquiry information every 7 days, or the 7 days is just for the "score." Disputed AUs with TU and when I view my real TU report online, the AUs seem to be gone, but still showing on Credit Karma.

I believe updates everything once every 7 days, not just the score.
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Offline coralsnake

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Re: credit score
« Reply #2178 on: January 19, 2016, 11:18:47 AM »
Quote from: Mordyk on January 19, 2016, 11:17:43 AM
does a 2 days late payment get onto my credit report?
No. Only 30+ days.
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Offline CS91

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Re: credit score
« Reply #2179 on: January 19, 2016, 11:22:23 AM »
Quote from: AJK on January 19, 2016, 11:18:44 AM
I believe updates everything once every 7 days, not just the score.
Thanks.
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