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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 »

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Author Topic: credit score  (Read 830404 times)

Offline Wizard

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Re: credit score
« Reply #3680 on: May 09, 2017, 02:59:33 AM »
Quote from: a good yeshiva bachur on May 05, 2017, 05:01:59 PM
update?
Was declined. They said didn't leave enough CL on transfer from card which made no sense because the rep told me I needed to leave 500. Went online and transferred all but 500 immediately.
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Offline PillanSmye

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Re: credit score
« Reply #3681 on: May 09, 2017, 01:44:34 PM »
Quote from: Wizard on May 09, 2017, 02:59:33 AM
Was declined. They said didn't leave enough CL on transfer from card which made no sense because the rep told me I needed to leave 500. Went online and transferred all but 500 immediately.
isn't there a bunch of AMEX threads?
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Offline PillanSmye

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Re: credit score
« Reply #3682 on: May 09, 2017, 01:46:58 PM »
Quote from: ChaimMoskowitz on May 08, 2017, 03:28:34 PM
...or in Ripley's believe it or not.  ;)

I'm voting NOT
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Offline Wizard

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Re: credit score
« Reply #3683 on: May 10, 2017, 12:59:41 AM »
Quote from: PillanSmye on May 09, 2017, 01:44:34 PM
isn't there a bunch of AMEX threads?
I'm not understand what you're asking?
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Offline noturbizniss

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Re: credit score
« Reply #3684 on: May 10, 2017, 06:31:21 AM »
Quote from: Wizard on May 10, 2017, 12:59:41 AM
I'm not understand what you're asking?
He's asking why you keep on asking your amex credit limit transfer questions here. They have zero to do with score. There multiple amex threads you could ask that in.
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Offline Wizard

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Re: credit score
« Reply #3685 on: May 10, 2017, 09:43:25 AM »
Quote from: noturbizniss on May 10, 2017, 06:31:21 AM
He's asking why you keep on asking your amex credit limit transfer questions here. They have zero to do with score. There multiple amex threads you could ask that in.
Oh well I was just responded to someone who wanted an update now

And - the whole idea of transferring CL before closing card is bec of credit score...
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Offline Wizard

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Re: credit score
« Reply #3686 on: May 23, 2017, 12:12:47 PM »
I use Discovers Scorecard for my FICO score but I see that the FAKO from Chase (CreditJourneys) sends me an alert that a new account was added and what bank it is from while Discover doesn't do that. Is that correct? And is there something better than Chase CreditJourneys I should be using if I want such alerts? Thanks in advance!
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Offline chayal101

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Re: credit score
« Reply #3687 on: May 23, 2017, 01:04:07 PM »
Who can help me out with building a credit score for a 45 yr old that never had any credit before? She has NO credit score.
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Offline as2

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Re: credit score
« Reply #3688 on: May 23, 2017, 01:05:54 PM »
Quote from: chayal101 on May 23, 2017, 01:04:07 PM
Who can help me out with building a credit score for a 45 yr old that never had any credit before? She has NO credit score.
Why would this be any different than a 18 year old with no credit? Start with a secured credit card, or really any card that she can get, and work it from there.
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Offline Wizard

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Re: credit score
« Reply #3689 on: May 23, 2017, 01:07:28 PM »
Quote from: chayal101 on May 23, 2017, 01:04:07 PM
Who can help me out with building a credit score for a 45 yr old that never had any credit before? She has NO credit score.
I would think best bet to start her with a Chase Freedom and/or Freedom Unlimited card if she can get approved for one (or both on the same day even better!). If that doesn't work, there are other options.
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Offline yitrap

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Re: credit score
« Reply #3690 on: May 23, 2017, 01:12:56 PM »
Quote from: chayal101 on May 23, 2017, 01:04:07 PM
Who can help me out with building a credit score for a 45 yr old that never had any credit before? She has NO credit score.
Start by making her an AU on a 2-3 of your older cards (not Amex) then move from there to the FU and Freedom
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Offline Wizard

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Re: credit score
« Reply #3691 on: May 23, 2017, 01:18:09 PM »
Quote from: yitrap on May 23, 2017, 01:12:56 PM
Start by making her an AU on a 2-3 of your older cards (not Amex) then move from there to the FU and Freedom
+1 (unless she wants to get a bunch of Chase cards - then the AUs may make her over 5/24 ..)
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Offline precise

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Re: credit score
« Reply #3692 on: May 23, 2017, 01:21:57 PM »
[
Quote from: yitrap on May 23, 2017, 01:12:56 PM
Start by making her an AU on a 2-3 of your older cards (not Amex) then move from there to the FU and Freedom
Why not AmEx?
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Online mochjas

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Re: credit score
« Reply #3693 on: May 23, 2017, 01:25:44 PM »
Quote from: precise on May 23, 2017, 01:21:57 PM
[Why not AmEx?
amex doesnt back date
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Offline ChaimMoskowitz

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Re: credit score
« Reply #3694 on: May 23, 2017, 01:54:56 PM »
Quote from: Wizard on May 23, 2017, 01:18:09 PM
+1 (unless she wants to get a bunch of Chase cards - then the AUs may make her over 5/24 ..)
You can always get the AU's removed once she starts getting cards.
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Offline yitrap

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Re: credit score
« Reply #3695 on: May 23, 2017, 02:59:02 PM »
Quote from: Wizard on May 23, 2017, 01:18:09 PM
+1 (unless she wants to get a bunch of Chase cards - then the AUs may make her over 5/24 ..)
A few HUCA's will find you a rep that won't consider them.
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Offline chayal101

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Re: credit score
« Reply #3696 on: May 23, 2017, 02:59:50 PM »
Quote from: yitrap on May 23, 2017, 01:12:56 PM
Start by making her an AU on a 2-3 of your older cards (not Amex) then move from there to the FU and Freedom
I added her to an old discover card, but i need 2 more? Chase AU works? And how long should I wait to establish credit before applying to Freedom followed by the BIG Amex cards such as Biz Plat, BGR, and PRG.
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Chaya L.

Offline Wizard

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Re: credit score
« Reply #3697 on: May 23, 2017, 03:42:12 PM »
Quote from: ChaimMoskowitz on May 23, 2017, 01:54:56 PM
You can always get the AU's removed once she starts getting cards.
Quote from: yitrap on May 23, 2017, 02:59:02 PM
A few HUCA's will find you a rep that won't consider them.
I stand corrected.
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Offline yitrap

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Re: credit score
« Reply #3698 on: May 23, 2017, 04:23:36 PM »
Quote from: chayal101 on May 23, 2017, 02:59:50 PM
I added her to an old discover card, but i need 2 more? Chase AU works? And how long should I wait to establish credit before applying to Freedom followed by the BIG Amex cards such as Biz Plat, BGR, and PRG.
Quote from: PillanSmye on December 31, 2015, 09:53:12 PM
Wife got SSN late Feb 15.  I added her as AU to variety of my accounts/issuers.

It takes 6 months to actually generate a FICO score.

Aug-Sep 15 first mailed offers came for her. 50K PRG, 100K Pt.

Did a 2for1 AMEX for PRG and OBC. And a store card. (And I swiped her 100K pers Pt offer for myself)

She got a Citi AA 60K mailer a couple weeks ago, so I got her that and a 100K BA offer.

I'll probably let her files chill for a while, to set her up for a WF 5% when mine becomes worthless.

And

Quote from: Mendelssohn on March 04, 2016, 04:52:55 PM
Everyone except Amex reports the full history for AUs.

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Offline chayal101

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Re: credit score
« Reply #3699 on: May 23, 2017, 04:31:52 PM »
Quote from: yitrap on May 23, 2017, 04:23:36 PM
And
Thanks! Don't really wanna wait 6 months though...
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