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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 809455 times)

Offline shulem92

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Re: credit score
« Reply #3020 on: July 21, 2016, 05:54:07 PM »
how long does it take to start a credit profile, and how do I know when the profile has started? opened a first cc roughly 3 months ago

Offline shulem92

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Re: credit score
« Reply #3021 on: July 21, 2016, 06:12:59 PM »
how long does it take to start a credit profile, and how do I know when the profile has started? opened a first cc roughly 3 months ago
forgot about scoresense 7 day free trial :) thanx

Offline yossig

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Re: credit score
« Reply #3022 on: July 26, 2016, 12:06:14 PM »
is there a list anywhere of which fico score are accurate and which one's are not?

Offline Mendelssohn

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Re: credit score
« Reply #3023 on: July 26, 2016, 12:37:27 PM »
Perhaps a little bit higher...but that seems like a big drop in a month

Don't obsess over such small changes.  6 points isn't much.

Offline Mendelssohn

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Re: credit score
« Reply #3024 on: July 26, 2016, 12:38:03 PM »
is there a list anywhere of which fico score are accurate and which one's are not?

All FICO scores are accurate.  It just depends on what a given creditor uses.

Just look for the "FICO" logo.

Offline Mendelssohn

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Re: credit score
« Reply #3025 on: July 26, 2016, 12:38:30 PM »
how long does it take to start a credit profile, and how do I know when the profile has started? opened a first cc roughly 3 months ago

6 months to generate a FICO score.

Offline shulem92

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Re: credit score
« Reply #3026 on: July 26, 2016, 08:09:50 PM »
Is it bad for ur credit score if a lender shuts down ur cc?

Offline jameswacht

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Re: credit score
« Reply #3027 on: July 26, 2016, 08:30:46 PM »
Does Amex pull your personal credit report when applying for a biz card?

Offline mochjas

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Re: credit score
« Reply #3028 on: July 26, 2016, 08:31:42 PM »
Does Amex pull your personal credit report when applying for a biz card?
yes

Offline jameswacht

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Re: credit score
« Reply #3029 on: July 26, 2016, 08:38:40 PM »
yes
Will fieling a dispute with the claim that it's not a personal card cause them to remove the pull?

Offline David Smith

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Re: credit score
« Reply #3030 on: July 26, 2016, 08:41:15 PM »
Will fieling a dispute with the claim that it's not a personal card cause them to remove the pull?
Absolutely not. That's absurd.
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 #3031 on: July 27, 2016, 12:25:09 AM »
Is it bad for ur credit score if a lender shuts down ur cc?

It has no impact on your FICO scores if the account is positive. 

Offline shulem92

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Re: credit score
« Reply #3032 on: July 27, 2016, 12:27:02 AM »
It has no impact on your FICO scores if the account is positive.
Even if at the time they shut you down there was an outstanding balance?

Offline Cappy

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Re: credit score
« Reply #3033 on: July 27, 2016, 03:13:36 AM »
Even if at the time they shut you down there was an outstanding balance?

It would have the same effect if were open with a balance. You still have that balance which takes up utilitzation.

Offline ExGingi

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Re: credit score
« Reply #3034 on: July 27, 2016, 06:10:15 AM »
It would have the same effect if were open with a balance. You still have that balance which takes up utilitzation.

Wouldn't the effect be different due to Credit Line in excess of outstanding balance being eliminated?
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan

Offline Mendelssohn

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Re: credit score
« Reply #3035 on: July 27, 2016, 11:53:41 AM »
Wouldn't the effect be different due to Credit Line in excess of outstanding balance being eliminated?

Yes.  You want to get the balance paid to $0 ASAP because the credit limit counted for FICO scoring becomes $0 when it is closed.

Offline Zalc

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Re: credit score
« Reply #3036 on: July 27, 2016, 12:48:55 PM »
Will fieling a dispute with the claim that it's not a personal card cause them to remove the pull?
No, why would they?
It is a Card that is personally guaranteed by you, so they have every right to look your reports.

A pull should barely affect your score, don't worry about it.

Offline Cappy

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Re: credit score
« Reply #3037 on: July 28, 2016, 05:44:40 PM »
Yes.  You want to get the balance paid to $0 ASAP because the credit limit counted for FICO scoring becomes $0 when it is closed.

+1

You're always better at explaining things than me  ;)

Offline emjee

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Re: credit score
« Reply #3038 on: July 28, 2016, 06:16:52 PM »
+1

You're always better at explaining things than me  ;)
capp,  you're very good at explaining yourself as well (here and @ CB)

Offline Cappy

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Re: credit score
« Reply #3039 on: July 28, 2016, 06:32:48 PM »
capp,  you're very good at explaining yourself as well (here and @ CB)

Thanks :)