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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 345882 times)

Offline Marko Rubio

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Re: credit score
« Reply #2865 on: May 10, 2016, 01:33:42 PM »
whats do they see when they are making a soft pull?
my questin is can this soft pull help getting approved someone with bad credit or its the same as a hard pull?
Do u have any different idea for a signature?

Offline Mendelssohn

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Re: credit score
« Reply #2866 on: May 10, 2016, 03:37:14 PM »
I see reports (DoC) that it may be a hard pull.  If so you may loss.

-1

Only people that don't know what they are doing get a HP.

CB credit info is more reliable that DoC.

Offline Mendelssohn

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Re: credit score
« Reply #2867 on: May 10, 2016, 03:37:46 PM »
Are they sensitive to many Chex apps recently?

I'm not sure.

Offline Mendelssohn

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Re: credit score
« Reply #2868 on: May 10, 2016, 03:38:18 PM »
whats do they see when they are making a soft pull?
my questin is can this soft pull help getting approved someone with bad credit or its the same as a hard pull?

The only difference that I'm aware of is how it is coded on your credit report.

Offline noturbizniss

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Re: credit score
« Reply #2869 on: May 10, 2016, 11:32:45 PM »
MF only gives you the full 3B with the additional scoring models once per year or when you purchase it independently of the monitoring service.

Just buy a 3B and see where you are for the mortgage scores.  You can check the pinned threads on CB to see if anyone has posted discount codes.
I assume the product you are referring to is the below, and cancel before the second month bills?

[http://www]Ultimate 3B

Monitor your credit & identity.
Plus, get quarterly access to a new 3-bureau credit report & 28 FICOŽ Scores. Learn More

READ THE DARN WIKI!!!!

Chuck Norris...
...can still do FT method
...READS THE WIKI!!!

Offline Mendelssohn

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Re: credit score
« Reply #2870 on: May 10, 2016, 11:47:43 PM »
I assume the product you are referring to is the below, and cancel before the second month bills?

[http://www]Ultimate 3B

Monitor your credit & identity.
Plus, get quarterly access to a new 3-bureau credit report & 28 FICOŽ Scores. Learn More

I didn't click on the link, but the only MF product that is of any value is purchasing an individual 3B report that gives you all of the other scoring models.

CCT is $1 for the trial, which you can get more than once for your FICO 08s.

Online Zalc

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Re: credit score
« Reply #2871 on: May 11, 2016, 12:38:59 AM »
I didn't click on the link, but the only MF product that is of any value is purchasing an individual 3B report that gives you all of the other scoring models.

CCT is $1 for the trial, which you can get more than once for your FICO 08s.
How often can one safely churn that trial?

Offline Mendelssohn

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Re: credit score
« Reply #2872 on: May 11, 2016, 12:47:56 AM »
How often can one safely churn that trial?

IIRC people on CB have gotten it once a month.  You'll have to check there.

Offline mgarfin

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Re: credit score
« Reply #2873 on: May 11, 2016, 09:08:19 AM »
I didn't click on the link, but the only MF product that is of any value is purchasing an individual 3B report that gives you all of the other scoring models.

CCT is $1 for the trial, which you can get more than once for your FICO 08s.

First the link is not working (on my phone)
Second, I looks to me, that the subscription at $29 will in included a 3B and 28 score report and can be canceled before billing.

Offline Mendelssohn

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Re: credit score
« Reply #2874 on: May 11, 2016, 12:38:33 PM »
First the link is not working (on my phone)
Second, I looks to me, that the subscription at $29 will in included a 3B and 28 score report and can be canceled before billing.

Yes, if you haven't already done it (I assumed that most of you have), you can get the trial 1 time.

Offline leaf

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Re: credit score
« Reply #2875 on: May 11, 2016, 09:08:53 PM »
I'm sure this is discussed somewhere in this thread but a quick search didn't pull up a direct answer. 
When calculating oldest existing account for credit history is each bank important or just entire credit history? Practically, if a card from Amex is your oldest card with them but you have older cards with another bank, is there any compelling credit score (or future applications?) reason to keep the card open?

Offline Mendelssohn

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Re: credit score
« Reply #2876 on: May 12, 2016, 12:14:13 AM »
I'm sure this is discussed somewhere in this thread but a quick search didn't pull up a direct answer. 
When calculating oldest existing account for credit history is each bank important or just entire credit history? Practically, if a card from Amex is your oldest card with them but you have older cards with another bank, is there any compelling credit score (or future applications?) reason to keep the card open?

Most important is keeping your oldest card open.

Secondary is keeping a handful of old cards open long term.

For internal scoring, it may be beneficial to keep your oldest card open with a specific card issuer.  I know Chase weighs this when making decisions.

Offline leaf

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Re: credit score
« Reply #2877 on: May 12, 2016, 12:17:59 AM »
Most important is keeping your oldest card open.

Secondary is keeping a handful of old cards open long term.

For internal scoring, it may be beneficial to keep your oldest card open with a specific card issuer.  I know Chase weighs this when making decisions.
Thanks. 
I'm trying to decide if it's worth paying the annual fee... So far only reason in favor is length of card...

Offline Mendelssohn

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Re: credit score
« Reply #2878 on: May 12, 2016, 12:19:19 AM »
Thanks. 
I'm trying to decide if it's worth paying the annual fee... So far only reason in favor is length of card...

You can always try to do a product change to a no AF card.

Offline leaf

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Re: credit score
« Reply #2879 on: May 12, 2016, 12:21:01 AM »
You can always try to do a product change to a no AF card.
Good point.