Topic Wiki

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
Chase Slate = EX (either 08 or Bankcard enhanced)
PSECU = EX 04

Citi AA = EQ bankcard enhanced
DCU= EQ 04
PenFed = EQ NextGen

Barclays = TU 08
Discover it = TU 08
Walmart (store or MC) = TU 08

Author Topic: credit score  (Read 290608 times)

Offline mochjas

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Re: credit score
« Reply #3615 on: April 05, 2017, 02:59:15 PM »
Does the credit utilization part of my credit score have a connection from month to month or each month is a separate eval? Basically, if I have high utilization now but low next month, will my score be lower next month because of the high utilization this month? TIA!!
its a month to month evaluation. They do not take into account the previous months utilization

Offline Wizard

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Re: credit score
« Reply #3616 on: April 05, 2017, 03:23:06 PM »
its a month to month evaluation. They do not take into account the previous months utilization
That's great. Thanks.

Late payments do effect the score for more than just one month though, correct?
If you are trying to get my attention/assistance and I'm not responding, please feel free to PM me. :)

Offline mochjas

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Re: credit score
« Reply #3617 on: April 05, 2017, 03:25:04 PM »
That's great. Thanks.

Late payments do effect the score for more than just one month though, correct?
yes late payments stay on the record for a long time not sure exactly how long it could be as little as 2 years or even up to 7 years

Offline Wizard

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Re: credit score
« Reply #3618 on: April 05, 2017, 03:42:56 PM »
yes late payments stay on the record for a long time not sure exactly how long it could be as little as 2 years or even up to 7 years
Ok thanks
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Offline Yehuda@18

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Re: credit score
« Reply #3619 on: April 07, 2017, 05:51:05 PM »
How many points do you lose every time they pull your credit?

Offline JACKBLUE

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Re: credit score
« Reply #3620 on: April 07, 2017, 06:46:03 PM »
How many points do you lose every time they pull your credit?
theres no exact number for that.

Offline as2

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Re: credit score
« Reply #3621 on: April 07, 2017, 06:49:43 PM »
FICO probably didn't change much at all.

Look at the graphs I put in the wiki showing ck jumping all over and fico barely moving. Ck is utter garbage and useless. Does more harm then good. It's OK for monitoring ur report but useless for actual score. +1
Thanks! Already back up close to 40 points on CK.

Offline jack12

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Re: credit score
« Reply #3622 on: April 13, 2017, 03:44:59 PM »
Capital One offered me free credit monitoring with Credit Wise - https://creditwise.capitalone.com. Is the number that it gives me accurate?

Offline Emkay

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Re: credit score
« Reply #3623 on: April 13, 2017, 04:08:31 PM »


Already back up close to 40 points on CK.

Still means nothing.

Offline JACKBLUE

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Re: credit score
« Reply #3624 on: April 13, 2017, 04:32:53 PM »
Capital One offered me free credit monitoring with Credit Wise - https://creditwise.capitalone.com. Is the number that it gives me accurate?
Fako

Offline noturbizniss

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Re: credit score
« Reply #3625 on: April 13, 2017, 09:37:38 PM »

Still means nothing.
Think the point was that it clearly is bs score
READ THE DARN WIKI!!!!

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...READS THE WIKI!!!

Offline PillanSmye

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Re: credit score
« Reply #3626 on: April 17, 2017, 05:06:06 PM »
Think the point was that it clearly is bs score
People who post CK skores in credit forums should be banned

Offline as2

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Re: credit score
« Reply #3627 on: April 18, 2017, 10:11:42 PM »
People who post CK skores in credit forums should be banned
People who spell score with a "k" should be banned as well! To be fair I never posted my CK score.

Offline yitrap

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Re: credit score
« Reply #3628 on: April 19, 2017, 04:10:22 PM »

Offline S209

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Re: credit score
« Reply #3629 on: April 19, 2017, 04:16:23 PM »
Wow. if that's true, that could really be a big deal. any other reports on this? That affects me as a credit consultant big time..
Noobies give a fresh perspective on things which may appear stale to the experienced :)