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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 236717 times)

Online davidrotts63

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Re: credit score
« Reply #3795 on: December 22, 2017, 03:54:26 PM »
Don't pm me unless you will use my referral link. :P

Offline Mendelssohn

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Re: credit score
« Reply #3796 on: December 23, 2017, 09:30:43 AM »
Hi ik this might have been discussed already but I didnít see it. If I only pay the min due payment on my ihg card will it affect my credit score?

Yes. Anything that impacts credit card utilization impacts your FICO scores.

Offline JACKBLUE

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Re: credit score
« Reply #3797 on: December 23, 2017, 08:03:02 PM »
Yes. Anything that impacts credit card utilization impacts your FICO scores.
It will, not long term.
he was asking if it will hurt for paying only the minimum, for this the answer is no.

Of course carrying high balances will hurt.
« Last Edit: December 23, 2017, 08:13:54 PM by JACKBLUE »

Online davidrotts63

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Re: credit score
« Reply #3798 on: December 23, 2017, 08:05:45 PM »

Hi ik this might have been discussed already but I didnít see it. If I only pay the min due payment on my ihg card will it affect my credit score?



he was asking if it will hurt for paying only the minimum
Of course carrying high balances will hurt

So the answer is yes, what was no to?
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Offline ludmila

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Re: credit score
« Reply #3799 on: December 23, 2017, 08:10:42 PM »


So the answer is yes, what was no to?
Depends if you have a high balance on this card , and no or low balance on other cards that have reasonably high credit limits, then, no, it is about overall credit utilization.
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Offline JACKBLUE

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Re: credit score
« Reply #3800 on: December 23, 2017, 08:14:07 PM »


So the answer is yes, what was no to?
edited my post

Online davidrotts63

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Re: credit score
« Reply #3801 on: December 23, 2017, 08:17:15 PM »
Don't pm me unless you will use my referral link. :P

Offline JACKBLUE

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Re: credit score
« Reply #3802 on: December 23, 2017, 08:19:07 PM »

Online davidrotts63

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Re: credit score
« Reply #3803 on: December 23, 2017, 08:22:54 PM »
for paying only minimum
Well you are then effectively carrying a balance....
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Offline JACKBLUE

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Re: credit score
« Reply #3804 on: December 23, 2017, 09:35:32 PM »
Well you are then effectively carrying a balance....
how about if the balance is $3 ?

Offline miles lover

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Re: credit score
« Reply #3805 on: December 23, 2017, 11:09:24 PM »
how about if the balance is $3 ?
Then the minimum payment will be $3 anyhow

Offline miles lover

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Re: credit score
« Reply #3806 on: December 23, 2017, 11:11:56 PM »
Parking tickets appear to be pretty easy to get off reports nowadays because they were not consumer credit transactions.
Can you elaborate ? You mean itís easy to dispute ?

  What are the chances that the collection agency will report a single parking ticket from out of state ? It went to collections about 6 months ago and itís not on my credit report as of yet.

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Re: credit score
« Reply #3807 on: December 26, 2017, 12:11:29 PM »
Does anyone know how long it takes for your credit score to update once you make big payments on your credit cards? Is it something immediate or does it take months to reflect?
Chase will report right away if you get your balance down to 0.

Discover can do it by request.

Is this still the case with Chase? If I pay down my balance to zero will they immediately report it to the credit bureaus?

Offline noturbizniss

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Re: credit score
« Reply #3808 on: December 26, 2017, 12:35:27 PM »
Is this still the case with Chase? If I pay down my balance to zero will they immediately report it to the credit bureaus?
Yes. Take a day or 2 to show up
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Re: credit score
« Reply #3809 on: December 26, 2017, 12:56:34 PM »
Yes. Take a day or 2 to show up
Thank you!