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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 566561 times)

Offline mendy from lakewood

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Re: credit score
« Reply #3480 on: January 26, 2017, 10:54:18 AM »
I have a bad credit score and my wife has a great credit score, my wife is leasing a car would it help my credit if I would co sign the car and will it affect her being approved for the car lease?
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Offline shulem92

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Re: credit score
« Reply #3481 on: January 26, 2017, 10:56:00 AM »
Yes you can have some removed but you would have to lie.
That clearly wasn't OP's intent..."goodwill letters"

Offline JTZ

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Re: credit score
« Reply #3482 on: January 26, 2017, 10:57:24 AM »
That clearly wasn't OP's intent..."goodwill letters"
That is why I quoted you.  :P
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Online mochjas

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Re: credit score
« Reply #3483 on: January 26, 2017, 11:29:52 AM »
I have a bad credit score and my wife has a great credit score, my wife is leasing a car would it help my credit if I would co sign the car and will it affect her being approved for the car lease?
if your score is bad than I doubt this would help so much. But it can take an average score and make it above average. Like I've seen scores go from 700-740 by co-signing a lease

Also it will not affect her chances of getting approved if she adds you on so you might as well go for it

Offline ranhan429

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Re: credit score
« Reply #3484 on: January 26, 2017, 01:58:28 PM »
Yes you can have some removed but you would have to lie.
Lie? And say what?
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Offline shulem92

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Re: credit score
« Reply #3485 on: January 26, 2017, 02:09:59 PM »
Lie? And say what?
Unauthorized. Victim of identity theft

Offline ranhan429

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Re: credit score
« Reply #3486 on: January 26, 2017, 04:35:20 PM »
Unauthorized. Victim of identity theft
That's rough
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Offline JTZ

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Re: credit score
« Reply #3487 on: January 26, 2017, 06:20:38 PM »
That's rough
...and it is also a lie.  ;)
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline noturbizniss

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Re: credit score
« Reply #3488 on: January 26, 2017, 07:04:19 PM »
Lie? And say what?
make sure you explicitly say on this public, googleable forum what fraud you will commit. might as well make it easier for the authorities
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Offline ranhan429

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Re: credit score
« Reply #3489 on: January 28, 2017, 07:55:16 AM »
make sure you explicitly say on this public, googleable forum what fraud you will commit. might as well make it easier for the authorities
Because they search DDF forums and know who I am based on my user ID?! Paranoid much. Lol.

And as others speculated earlier, I have no plans/intentions to lie to authorities, was just curious.
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Offline noturbizniss

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Re: credit score
« Reply #3490 on: January 28, 2017, 06:24:51 PM »
Because they search DDF forums and know who I am based on my user ID?! Paranoid much. Lol.

And as others speculated earlier, I have no plans/intentions to lie to authorities, was just curious.
Keep living in your fantasy world. Yep, an anonymous user name can in no way be easily tied back to you by anyone with a modicum of computer skills. And the feds have no computer skills!
READ THE DARN WIKI!!!!

Chuck Norris...
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Offline David Smith

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Re: credit score
« Reply #3491 on: January 28, 2017, 06:31:30 PM »
Interesting phenomenon: the more clueless a person is about a subject, the more confident they tend to be when stating something about it.
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 benjie1305

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Re: credit score
« Reply #3492 on: January 28, 2017, 09:45:40 PM »
Because they search DDF forums and know who I am based on my user ID?! Paranoid much. Lol.


Lol.

Interesting phenomenon: the more clueless a person is about a subject, the more confident they tend to be when stating something about it.
Work hard, Play harder!

Online Yehuda57

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Re: credit score
« Reply #3493 on: January 28, 2017, 09:58:53 PM »
Interesting phenomenon: the more clueless a person is about a subject, the more confident they tend to be when stating something about it.
Aka the Dunning-Kruger effect.
Quote from: ExGingi
Yehuda57 needs to spew a certain amount of sarcasm in order to survive through the day.

Offline noturbizniss

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Re: credit score
« Reply #3494 on: January 29, 2017, 02:42:11 AM »
Wasn't there a Google checkout employee here at one point?
READ THE DARN WIKI!!!!

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Offline ranhan429

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Re: credit score
« Reply #3495 on: January 29, 2017, 03:05:16 AM »
Keep living in your fantasy world. Yep, an anonymous user name can in no way be easily tied back to you by anyone with a modicum of computer skills. And the feds have no computer skills!
OK, guess I'm the only one that uses a proxy here. Lol.

Of course anything can be found out with enough time and effort, but that's under the assumption that serious time and effort is spent investigating people's claims to the CB. I think feds got bigger fish to fry.

Anyway, this discussion it moot. Agree to disagree.
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Offline JTZ

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Re: credit score
« Reply #3496 on: January 29, 2017, 04:01:24 AM »
OK, guess I'm the only one that uses a proxy here. Lol.
No but you might be the only one that thinks they are foolproof.  ;)
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline ranhan429

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Re: credit score
« Reply #3497 on: January 29, 2017, 07:18:17 AM »
No but you might be the only one that thinks they are foolproof.  ;)
How so?

Of course anything can be found out with enough time and effort, but that's under the assumption that serious time and effort is spent investigating people's claims to the CB. I think feds got bigger fish to fry.

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Offline noturbizniss

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Re: credit score
« Reply #3498 on: January 29, 2017, 08:12:28 PM »
OK, guess I'm the only one that uses a proxy here. Lol.

Of course anything can be found out with enough time and effort, but that's under the assumption that serious time and effort is spent investigating people's claims to the CB. I think feds got bigger fish to fry.

Anyway, this discussion it moot. Agree to disagree.
U use a proxy for ddf? What in the world do you have to hide?
READ THE DARN WIKI!!!!

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

Offline coralsnake

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Re: credit score
« Reply #3499 on: January 29, 2017, 08:47:18 PM »
I have a bad credit score and my wife has a great credit score, my wife is leasing a car would it help my credit if I would co sign the car and will it affect her being approved for the car lease?
It depends why your credit is bad but in general an installment loan such as a lease in good standing will most likely help your score.
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