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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
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 218080 times)

Offline dealtastic

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Re: credit score
« Reply #3750 on: October 11, 2017, 04:30:33 PM »
Just received notice that as my Virgin America Elevate card issued by Comenity will be closed as VX terminates the Elevate program.

Will this adversely affect my credit score?
Difficult to say, since each credit report is different. You might see a small drop due to higher overall utilization of your credit.

Offline ludmila

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Re: credit score
« Reply #3751 on: October 11, 2017, 11:24:16 PM »
Difficult to say, since each credit report is different. You might see a small drop due to higher overall utilization of your credit.
If you pay balances in full it will not affect you, even if it did it'll be a few points for short period, i would not worry about it.
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Offline noturbizniss

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Re: credit score
« Reply #3752 on: October 15, 2017, 05:29:37 PM »
Just received notice that as my Virgin America Elevate card issued by Comenity will be closed as VX terminates the Elevate program.

Will this adversely affect my credit score?
Won't be listed as closed by issuer in a negative way
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