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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 217892 times)

Offline MOSES

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Re: credit score
« Reply #45 on: August 18, 2010, 11:25:18 PM »
Quote from: Dan link=topic=96.msg1297#msg1297 date=121278
3257
no
See http://www.dansdeals.com/archives/2902
Does option 1 still work?

Offline txtmax4

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Re: credit score
« Reply #46 on: August 19, 2010, 12:28:43 AM »
Quizzle.com is a pretty good site for helping people build credit and telling them how they can improve.
They have a score and its FACO but I think it's a helpful site.
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Offline MOSES

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Re: credit score
« Reply #47 on: August 19, 2010, 10:13:27 PM »
Quizzle.com is a pretty good site for helping people build credit and telling them how they can improve.
They have a score and its FACO but I think it's a helpful site.
thanks.
does it explain about piggybacking? where can i learn about that?

Offline andrew

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Re: credit score
« Reply #48 on: July 02, 2011, 04:06:40 PM »
FYI. In general once you have (or possibly, even have had) an account with a particular institution, they will generally only do a soft check, even when applying for new/different cards. Hence Dan probably doesn't have more than 2 checks (if that) in the past 2 years. I've had many amex applications, and I haven't had a hard check from them in years
has anyone else have this experience ?

Offline AsherO

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Re: credit score
« Reply #49 on: July 02, 2011, 10:27:06 PM »
has anyone else have this experience ?

You're reviving a very old thread... I'm curious if Chaikel will say the same thing. My mileage has clearly varied in this regard, and I'm confident Dan's has as well.
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Offline dans fan

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Re: credit score
« Reply #50 on: July 02, 2011, 11:02:35 PM »
has anyone else have this experience ?
i can verify that 20 ppl i know had not

Offline jimmy1

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Credit Score Drop?
« Reply #51 on: January 04, 2012, 03:36:42 PM »
just to share  some thing here,
 i opened the chase SW personal card  and got 12k CL. I have existing chase freedom card with only 1500 CL and I transferred  $6k CL to freedom  with the help from rep on phone. The next couple of days, my CREDIT SCORE dropped from 750 to 741. 9 points dropped becos of this.
« Last Edit: January 04, 2012, 03:43:29 PM by Dan »

Offline Dan

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Re: Re: Chase closed all my cards!!!!!
« Reply #52 on: January 04, 2012, 03:43:01 PM »
Inquiry will drop your score short-term.
Inquiry will eventually drop off and you will have more total credit, older average cards (this number includes cancelled cards), and less credit utilization (at least presumably due to having more total credit) which will raise your score to higher then it was before.
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline Chaikel

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Re: Credit Score Drop?
« Reply #53 on: January 04, 2012, 06:25:29 PM »
Another thing that temporarily lowers your score when opening a new account, is lowering the average age of open accounts.
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Offline jimmy1

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Re: Credit Score Drop?
« Reply #54 on: January 04, 2012, 06:45:41 PM »
what i meant above is my score dropped  due to transfer of credit limit from one chase card to a different chase card.   I have  never seen such a  drop  by applying for cards. i have opened over 5 cards last year.


update , just  a month after seeing a drop, my score has shot up again
« Last Edit: January 04, 2012, 06:49:46 PM by jimmy1 »

Offline Saver2000

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Re: Credit Score Drop?
« Reply #55 on: January 04, 2012, 06:58:15 PM »
Another thing that temporarily lowers your score when opening a new account, is lowering the average age of open accounts.

How can that happen? Closed cards count towards average age.
Do you mean after 10 years when the account falls of your cr?

Offline Chaikel

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Re: Credit Score Drop?
« Reply #56 on: January 04, 2012, 07:03:01 PM »
How can that happen? Closed cards count towards average age.
Do you mean after 10 years when the account falls of your cr?
no, your average goes down when you have an account with 0 age
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Offline HelpMe

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Re: Credit Score Drop?
« Reply #57 on: January 04, 2012, 07:05:42 PM »
Another thing that temporarily lowers your score when opening a new account, is lowering the average age of open accounts.
This was more likely the reason for the 9 point drop and not an inquiry.
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Offline Saver2000

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Re: Credit Score Drop?
« Reply #58 on: January 04, 2012, 07:11:01 PM »
no, your average goes down when you have an account with 0 age

Aright, take it up with Dan

Inquiry will drop your score short-term.
Inquiry will eventually drop off and you will have more total credit, older average cards (this number includes cancelled cards), and less credit utilization (at least presumably due to having more total credit) which will raise your score to higher then it was before.

Offline michael

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Re: Credit Score Drop?
« Reply #59 on: January 04, 2012, 07:14:47 PM »
Anyone know when the inquiries actually drop off your credit score?