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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 828671 times)

Offline mmgfarb

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Re: credit score
« Reply #3220 on: October 30, 2016, 02:28:54 AM »
Quote from: pixi on October 30, 2016, 01:47:56 AM
My TU CS is 734
You should be fine with amex and chase. Amex is easier but I would start with chase only because of 5/24.
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Offline noturbizniss

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Re: credit score
« Reply #3221 on: October 30, 2016, 07:42:52 AM »
Quote from: pixi on October 30, 2016, 01:47:56 AM
My TU CS is 734
Fico 8 score or FAKO?
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Offline JTZ

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Re: credit score
« Reply #3222 on: October 30, 2016, 08:33:35 AM »
Quote from: mmgfarb on October 30, 2016, 02:28:54 AM
You should be fine with amex and chase. Amex is easier but I would start with chase only because of 5/24.
Start with Amex as Chase will be under 5/24. Then try Chase once Amex reports.
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Offline JTZ

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Re: credit score
« Reply #3223 on: October 30, 2016, 08:34:32 AM »
Quote from: Mordyk on October 27, 2016, 12:36:59 PM
anyone know why a mortgage would not show on a credit report?
The mortgage company is not reporting it?
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Offline pixi

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Re: credit score
« Reply #3224 on: October 30, 2016, 09:05:24 AM »
Quote from: noturbizniss on October 30, 2016, 07:42:52 AM
Fico 8 score or FAKO?
FICO (not sure if it's fico "8")
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Offline noturbizniss

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Re: credit score
« Reply #3225 on: October 30, 2016, 09:16:51 AM »
Quote from: pixi on October 30, 2016, 09:05:24 AM
FICO (not sure if it's fico "8")
Where'd u get it from? Barclay?
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Offline mmgfarb

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Re: credit score
« Reply #3226 on: October 30, 2016, 09:56:34 AM »
Quote from: JTZ on October 30, 2016, 08:33:35 AM
Start with Amex as Chase will be under 5/24. Then try Chase once Amex reports.
I was originally going to advise doing that but it  figured if he could get one or two chase cards approved, it would be worth getting as many chase cards that are under 5/24, wait a few months, get more and then when you're at 5, move on to amex. I'm not sure if that's doable but it's worth a shot IMHO. 
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Offline JTZ

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Re: credit score
« Reply #3227 on: October 30, 2016, 10:02:30 AM »
Quote from: mmgfarb on October 30, 2016, 09:56:34 AM
I was originally going to advise doing that but it  figured if he could get one or two chase cards approved, it would be worth getting as many chase cards that are under 5/24, wait a few months, get more and then when you're at 5, move on to amex. I'm not sure if that's doable but it's worth a shot IMHO.
Could get Amex first. Then a couple of Chase cards. Have the AU removed. Then a couple more Chase cards.
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Offline mmgfarb

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Re: credit score
« Reply #3228 on: October 30, 2016, 10:29:41 AM »
Quote from: JTZ on October 30, 2016, 10:02:30 AM
Could get Amex first. Then a couple of Chase cards. Have the AU removed. Then a couple more Chase cards.
True, all I'm saying is that you're getting rid of one possible chase card, your way may be a better idea though.
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Offline JTZ

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Re: credit score
« Reply #3229 on: October 30, 2016, 10:31:18 AM »
Quote from: mmgfarb on October 30, 2016, 10:29:41 AM
True, all I'm saying is that you're getting rid of one possible chase card, your way may be a better idea though.
Maybe a CB guru will chime but with thin of a file I am not sure how many Chase cards one could get.
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Offline mmgfarb

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Re: credit score
« Reply #3230 on: October 30, 2016, 10:47:00 AM »
Quote from: JTZ on October 30, 2016, 10:31:18 AM
Maybe a CB guru will chime but with thin of a file I am not sure how many Chase cards one could get.
True, an amex card would definitely help, I would say credit card over charge card.
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Offline pixi

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Re: credit score
« Reply #3231 on: October 30, 2016, 11:01:32 AM »
Quote from: noturbizniss on October 30, 2016, 09:16:51 AM
Where'd u get it from? Barclay?
Lending club
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Offline pixi

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Re: credit score
« Reply #3232 on: October 30, 2016, 11:25:59 AM »
Quote from: JTZ on October 30, 2016, 10:31:18 AM
Maybe a CB guru will chime but with thin of a file I am not sure how many Chase cards one could get.
Right,  I was looking to get the sapphire card, But my chances are probably slim.
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Offline pixi

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Re: credit score
« Reply #3233 on: October 30, 2016, 02:04:17 PM »
Does that  mean that some information I entered is wrong or the system is't responding ?
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Offline unclesam

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Re: credit score
« Reply #3234 on: November 02, 2016, 03:47:23 PM »
If I add someone as a joint to my discover card can it hurt me if they have something wrong on there report?
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Offline JTZ

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Re: credit score
« Reply #3235 on: November 02, 2016, 04:58:42 PM »
Quote from: unclesam on November 02, 2016, 03:47:23 PM
If I add someone as a joint to my discover card can it hurt me if they have something wrong on there report?
No.
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Offline unclesam

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Re: credit score
« Reply #3236 on: November 02, 2016, 05:33:03 PM »
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Offline rileywiles23

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Re: credit score
« Reply #3237 on: November 10, 2016, 09:20:10 PM »
Is Wells Fargo credit score fico, or fako ?
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Offline dealtastic

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Re: credit score
« Reply #3238 on: November 11, 2016, 01:12:51 AM »
Quote from: rileywiles23 on November 10, 2016, 09:20:10 PM
Is Wells Fargo credit score fico, or fako ?
If you are referring to the newly redesigned page, it's FICO (Bankcard Score 2).
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Offline rileywiles23

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Re: credit score
« Reply #3239 on: November 20, 2016, 08:02:20 PM »
Does a credit check from verizon, or direct TV regarding a internet plan affect your credit score ?
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