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Found 10 results

  1. Ok new here but not new to forum world and novice in credit rebuild. Doing LOTS of reading for NEWBS on here. One frustration I have is where can I get my actual FICO scores which financing companies are pulling? Here is an example of my frustration: October 25th I call up AT&T for U-verse set up in a new place I moved into. Hard pull. DONE. Busy with the move and forget all about it until I received the letter in the mail "Hey we pulled your credit blah blah...716 is the score. Still busy with the move threw it in the trash. Today I realized MyFico score on that date was actua
  2. I asked these questions in another forum under a certain pretense, but didn't get a reply. Instead of bumping the thread there, I will ask the direct questions here: I am a subscriber to this service. Once a year, they give me my 3 credit scores; However, they have recently (past year, give/take) merged with Equifax, and thus I get my Equifax score monthly. Is Mint Credit considered a FAKO, or an (at least) "partial FICO" because of their relationship with that one CRA? Anyone aware of the general accuracy? Anyone have actual experiences, pro or con with Mint Credit? I don't
  3. So I decided to cancel Smart Credit today. Nothing left to B*, get my FICO from Barclay's, and their FAKO is way off. Before I got to the final cancellation screen online (which is not really the end of the process), it gave me the option to continue as a customer for $4.95 per month going forward instead of the current $9.95, a 50% reduction. I said, 'No thanks'. Then, of course, it tells you that you are all set to be cancelled, but you just have to call Customer Service to confirm...for 'security reasons'. So I did. And the lady was very nice. She offered me a month for free (s
  4. http://www.nytimes.com/2013/05/04/your-money/credit-scores/vantagescore-ignores-paid-collections-in-setting-a-credit-score.html?pagewanted=all&_r=1& I hardly believe it - but then, it's a FAKO score think FICO will take this up?
  5. FAKO Scores vs. FICO Scores, What’s the Difference? http://www.creditsesame.com/blog/fako-scores-vs-fico-scores/?utm_nooverride=1&ref=Newsletter_08/04/2014&utm_campaign=website&utm_source=StrongView&utm_medium=email "...The last several years have seen a considerable change in the credit scoring world and the term FAKO score doesn’t really apply any longer..."
  6. It is a TransUnion FAKO, but FYI.
  7. OK, I know FAKOs are not entirely accurate, and that the changes we sometimes see are not representative of chances to the FICO score, but still... My FAKO dropped 42 points last month when a collection from JDB was added to Experian. It is not anyone I ever heard of, not anyone I had an account with, so I disputed it with Experian. Yes, I know now the right way to handle this, but did not a month ago before I joined this forum. I have since sent a DV letter. Today, I received notification that the collection account was verified. Experian also noted that if I still disagree, I sho
  8. I am not a PA resident, and do not have a Walmart card. If the score I am getting from Experian is a FAKO, am I correct in my understanding that the only way I will ever find out my true Experian FICO score is by applying somewhere and getting denied? That seems beyond belief to me. Dave
  9. I applied for a credit limit increase with Barclays Bank for my Priceline Visa and asked for $50k and was awarded a total of $10k from my prior $4.5k in December 2012 opening. However, the letter I got with the denial of full amount requested gave a credit score of 647 on 2/12/13 whereas my TransUnion score through Walmart card said 689 on 2/4/13. Did my score really fall that much or are they using a different formula?
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