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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 809456 times)

Offline reed

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Re: credit score
« Reply #420 on: November 20, 2014, 08:35:15 PM »
ah yasheh koiiiechhhh.

Offline voby27

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Re: credit score
« Reply #421 on: December 05, 2014, 09:20:42 AM »
Sorry for being new to this... i have a question abt credit card apps and how it will impact my score. If I apply for several cards using the 3bm or 4bm method, but the cards are being issued by different banks, will it count as multiple pulls? Or will the 3bm work so that it's only 1 hard pull? What I am trying to ask, do the multiple apps have to be from the same bank, or just processed at the same time? If this has previously been discussed, please show me where and I would be glad to read it. Thanks

Offline tzifanya54

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Re: credit score
« Reply #422 on: December 05, 2014, 09:29:26 AM »
Sorry for being new to this... i have a question abt credit card apps and how it will impact my score. If I apply for several cards using the 3bm or 4bm method, but the cards are being issued by different banks, will it count as multiple pulls? Or will the 3bm work so that it's only 1 hard pull? What I am trying to ask, do the multiple apps have to be from the same bank, or just processed at the same time? If this has previously been discussed, please show me where and I would be glad to read it. Thanks
Same bank= usually one pull different banks will always be multiple pulls. However people like to apply on the same day(not the same time nesececarilly just the same day) because the belief is that bank #1 doesn't see bank # 2 pull for at least 24 hours so they don't see as many pulls on the report

Offline ChaimMoskowitz

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Re: credit score
« Reply #423 on: December 05, 2014, 01:17:20 PM »
However people like to apply on the same day(not the same time nesececarilly just the same day) because the belief is that bank #1 doesn't see bank # 2 pull for at least 24 hours so they don't see as many pulls on the report
They are wrong.
I just found a new supply of forks!

Offline noturbizniss

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Re: credit score
« Reply #424 on: December 05, 2014, 01:24:36 PM »
They are wrong.
The banks will see it the next day. They won't see same day pulls from other banks. IIRC, I've done it in sane day and had no recon questions. When I did one app on next day they questioned the other previous day pulls.
READ THE DARN WIKI!!!!

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Offline ChaimMoskowitz

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Re: credit score
« Reply #425 on: December 05, 2014, 01:26:05 PM »
The banks will see it the next day.
What part of wrong don't you understand?
I just found a new supply of forks!

Offline dealfinder85

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Re: credit score
« Reply #426 on: December 05, 2014, 01:29:57 PM »
What part of wrong don't you understand?
ouch

Offline ChaimMoskowitz

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Re: credit score
« Reply #427 on: December 05, 2014, 01:34:53 PM »
I just found a new supply of forks!

Offline dealfinder85

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Re: credit score
« Reply #428 on: December 05, 2014, 01:35:09 PM »
I meant that in a nice way.
but of course

Offline noturbizniss

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Re: credit score
« Reply #429 on: December 05, 2014, 03:03:09 PM »
What part of wrong don't you understand?
The part where you are wrong duh
READ THE DARN WIKI!!!!

Chuck Norris...
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Offline benjie1305

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Re: credit score
« Reply #430 on: December 17, 2014, 04:15:12 PM »
So if I was declined for a card (HUCA'd and am in the process of getting approved) and my wife also declined, this means she can ask the Bank to tell her what her credit score is. Is that correct? Does that also mean that I can ask for that even if I was approved in the meantime?
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Offline smaxber

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Re: credit score
« Reply #431 on: December 17, 2014, 04:21:30 PM »
So if I was declined for a card (HUCA'd and am in the process of getting approved) and my wife also declined, this means she can ask the Bank to tell her what her credit score is. Is that correct? Does that also mean that I can ask for that even if I was approved in the meantime?
yes
As long as you are denied in beginning you are entitled

Offline benjie1305

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Re: credit score
« Reply #432 on: December 17, 2014, 04:30:54 PM »
yes
As long as you are denied in beginning you are entitled

should i just call back and say i was denied earlier and have spoken to the loan dpmt since but want to know my Creditscore? Or any particular way or department to ask this?
Work hard, Play harder!

Offline MosheD

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Re: credit score
« Reply #433 on: January 06, 2015, 09:51:23 AM »
I see on my club carlson us bank card there is link to get experian score for free.
Anyone know if this is legit score or just fako

Offline noturbizniss

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Re: credit score
« Reply #434 on: January 06, 2015, 11:41:55 AM »
I see on my club carlson us bank card there is link to get experian score for free.
Anyone know if this is legit score or just fako
Does it say fico?
READ THE DARN WIKI!!!!

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Offline TimT

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Re: credit score
« Reply #435 on: January 06, 2015, 11:58:00 AM »
Does it say fico?
It sends you to the experian website.

Offline noturbizniss

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Re: credit score
« Reply #436 on: January 06, 2015, 11:59:20 AM »
It sends you to the experian website.
That would be FAKO I think.
READ THE DARN WIKI!!!!

Chuck Norris...
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Online avromie7

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Re: credit score
« Reply #437 on: January 06, 2015, 06:01:58 PM »
does anyone have a link to check experian credit report with a report number?
I wonder what people who type "u" instead of "you" do with all their free time.

Offline ChaimMoskowitz

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Re: credit score
« Reply #438 on: January 06, 2015, 06:04:09 PM »
does anyone have a link to check experian credit report with a report number?
http://www.experian.com/disputes/main.html#newDispute
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Online avromie7

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Re: credit score
« Reply #439 on: January 06, 2015, 06:15:39 PM »
I wonder what people who type "u" instead of "you" do with all their free time.