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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 255143 times)

Offline SrulyS

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Re: credit score
« Reply #3990 on: May 14, 2018, 10:59:50 AM »
Wow what would make you want to close a card that you had for 40 years?
He should have closed it 35 years ago.

he should be able to get retention worth more than the $100 increase plus the uber credits
I showed him how to use uber credits for uber eats about 8 months ago. He hasn't used it since. He won't max out the travel credit either and he never uses Amex offers therefore even spending $95 a year would be a waste.


New questions

This is his only Amex card. Can I cancel it the same day as applying for a new card (assuming it is approved immediately) and not lose my MR?
Can I use the travel credit and uber credit on the day it is cancelled and still receive the credit a few days later?

Offline Dovdovmoneytree

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Re: credit score
« Reply #3991 on: May 15, 2018, 05:23:55 PM »
Just pulled my wife's CR. She has a clean report but has one charge off from Verizon for $93! I believe it was when we moved and it was forgotten by the wayside. Any way to get this removed on my own? TY

Offline Mendelssohn

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Re: credit score
« Reply #3992 on: Yesterday at 11:42:13 AM »
I assume you mean credit reports (plural) from EX, EQ and TU. You want paper copies of your reports directly from the CRAs, not an electronic version from a third party.