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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 610666 times)

Offline R.A.T.

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Re: credit score
« Reply #4440 on: July 13, 2022, 03:12:57 PM »
How can a 17 year authorized user get his free fico credit score?
https://www.experian.com/

Offline davidd75

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Re: credit score
« Reply #4441 on: July 13, 2022, 05:23:45 PM »

Offline davidd75

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Re: credit score
« Reply #4442 on: July 13, 2022, 05:24:17 PM »
No free options?

Offline dm123

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Offline R.A.T.

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Re: credit score
« Reply #4444 on: July 13, 2022, 11:53:25 PM »

Offline davidd75

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Re: credit score
« Reply #4445 on: July 14, 2022, 10:23:00 AM »

Offline davidd75

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Re: credit score
« Reply #4447 on: July 14, 2022, 12:52:36 PM »
do these give you your fico score?
No

Offline davidd75

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Re: credit score
« Reply #4448 on: July 14, 2022, 01:44:42 PM »
right so I guess I assumed correctly under 18 authorized users dont seem to have a way to get their free fico score

Offline Luvisrael

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Re: credit score
« Reply #4449 on: August 18, 2022, 04:07:06 PM »
Any DP on Ezpass and credit reports? I heard unpaid violations are not reported.

Offline wayfe

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Re: credit score
« Reply #4450 on: August 31, 2022, 09:25:42 AM »
Credit Karma is reporting an 89pt loss on my Transunion score due to a balance increase. The card is a secured cc, does that make any sense?
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Offline CountValentine

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Re: credit score
« Reply #4451 on: August 31, 2022, 09:31:11 AM »
Credit Karma is reporting an 89pt loss on my Transunion score due to a balance increase. The card is a secured cc, does that make any sense?
Yes as their credit score is 100% useless and meaningless.
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline wayfe

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Re: credit score
« Reply #4452 on: September 01, 2022, 12:47:21 PM »
Yes as their credit score is 100% useless and meaningless.

Ah... you're right. How could I have forgotten about fico/fako? I used to know this stuff...

"I would rather have questions that can't be answered than answers which can't be questioned."
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Re: credit score
« Reply #4453 on: September 01, 2022, 12:55:30 PM »
Ah... you're right. How could I have forgotten about fico/fako? I used to know this stuff...
Free FICO at Experian: https://www.experian.com/consumer-products/free-credit-report.html
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline CountValentine

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Re: credit score
« Reply #4454 on: September 01, 2022, 07:49:22 PM »
From CK: CV, your new name is Credit Card Debt Slayer!  ::)
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline Mf1

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Re: credit score
« Reply #4455 on: September 21, 2022, 12:20:49 PM »
I was under the impression that car loan doesn't effect credit utilization.
I got a car loan through light stream and on c1 credit score tool it shows the amount as part of credit utilization.
Is this the case for all car loans or only lightstream, or am I misunderstanding something?

Offline Mf1

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Re: credit score
« Reply #4456 on: September 21, 2022, 12:56:24 PM »
Never mind
It seems it is only effecting total debt but not credit utilization

Offline Zalc

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Re: credit score
« Reply #4457 on: September 22, 2022, 09:35:28 PM »
I was working on a file where Experianís site showed less loans then a lender report, and realized that they donít seem to list construction loans in their portal. Just FYI