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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 »

Author Topic: credit score  (Read 811167 times)

Offline Hershelsdeals

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Re: credit score
« Reply #680 on: April 06, 2015, 12:52:49 PM »
How many Experian inquiries should I top out in 2 years?

Offline tov hashem

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Re: credit score
« Reply #681 on: April 06, 2015, 02:33:20 PM »
My brother has no credit so if i add him to my amex gold( charge) card will this build his ccredit credit score or does this method only work on revolving credit card?

Offline rileywiles23

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Re: credit score
« Reply #682 on: April 06, 2015, 03:40:56 PM »

My brother has no credit so if i add him to my amex gold( charge) card will this build his ccredit credit score or does this method only work on revolving credit card?
there is no difference...
Life is as good as you make it...

Offline ChaimMoskowitz

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Re: credit score
« Reply #683 on: April 06, 2015, 03:48:00 PM »
there is no difference...
You sure about that?
I just found a new supply of forks!

Offline rileywiles23

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Re: credit score
« Reply #684 on: April 06, 2015, 04:46:28 PM »

You sure about that?
it will build his credit... Although a revolving card will help more...
Life is as good as you make it...

Offline ChaimMoskowitz

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Re: credit score
« Reply #685 on: April 06, 2015, 04:50:08 PM »
it will build his credit... Although a revolving card will help more...
Maybe it would have been better to say that in the first place?
I just found a new supply of forks!

Offline rileywiles23

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Re: credit score
« Reply #686 on: April 06, 2015, 05:02:51 PM »

Maybe it would have been better to say that in the first place?
your right...
Life is as good as you make it...

Offline Emkay

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Re: credit score
« Reply #687 on: April 08, 2015, 03:52:30 AM »

Offline samtam

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Re: credit score
« Reply #688 on: April 08, 2015, 11:20:04 AM »
Is being a au on a chase card and the person has a balace affect the au credit report?
And does cancelling the au help?

Offline yitrap

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Re: credit score
« Reply #689 on: April 08, 2015, 11:22:38 AM »

Is being a au on a chase card and the person has a balace affect the au credit report?
And does cancelling the au help?

When you say balance you are referring to him utilizing too much of his credit?
From my understanding it does and removing should help.

Offline samtam

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Re: credit score
« Reply #690 on: April 08, 2015, 11:24:58 AM »
When you say balance you are referring to him utilizing too much of his credit?
From my understanding it does and removing should help.
But i thought chase doesn't affect the au
They dont ask for a social when you make a au
How do they know its you?

Offline D93

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Re: credit score
« Reply #691 on: April 08, 2015, 11:27:40 AM »
But i thought chase doesn't affect the au
You thought wrong.
Quote
They dont ask for a social when you make a au
How do they know its you?
Chase will still add report an AU's card to that person's Credit Report, even without a SSN given.

Offline yitrap

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Re: credit score
« Reply #692 on: April 08, 2015, 11:27:52 AM »

But i thought chase doesn't affect the au
They dont ask for a social when you make a au
How do they know its you?

I was thinking about amex actually,
With chase you can provide the social and they claim they can figure it out without it even though I don't understand how they could, in the terms the read out when you add an AU online they say something about affecting credit score.

Offline rileywiles23

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credit score
« Reply #693 on: April 08, 2015, 11:28:03 AM »
Is being a au on a chase card and the person has a balace affect the au credit report?
And does cancelling the au help?
I just had this issue. I was an au on my fathers chase card for a long time, and never took myself off. Recently, I was going through my credit report, and saw my credit utilization was much higher then it should've been. I realized that being an au on my fathers card, where he carries large balances every month on his statements, was affecting my credit score. Canceling au definitely helps.
Life is as good as you make it...

Offline mgarfin

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Re: credit score
« Reply #694 on: April 24, 2015, 12:00:57 PM »
I just had this issue. I was an au on my fathers chase card for a long time, and never took myself off. Recently, I was going through my credit report, and saw my credit utilization was much higher then it should've been. I realized that being an au on my fathers card, where he carries large balances every month on his statements, was affecting my credit score. Canceling au definitely helps.

I just came here to ask the same question,

I added my wife twice to my Amex SPG twice (SBS) and now I see its on her report twice, calculating my balance twice!

Any way to remove it without closing it, or is it relay not effecting here credit?

Offline ChaimMoskowitz

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Re: credit score
« Reply #695 on: April 24, 2015, 12:11:46 PM »
Remove her as AU.
I just found a new supply of forks!

Offline Hershelsdeals

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Re: credit score
« Reply #696 on: May 14, 2015, 12:34:23 PM »
Credit Utilization questions , I have a company who had my credit card on file charge my credit card without asking me, and my statement closed with close to 50 percent credit utilization, is there any way to get that off my report, for example by charging it back to the merchant or dispute, or will anything help?

Offline YitzyS

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Re: credit score
« Reply #697 on: May 17, 2015, 11:14:48 AM »
Credit Utilization questions , I have a company who had my credit card on file charge my credit card without asking me, and my statement closed with close to 50 percent credit utilization, is there any way to get that off my report, for example by charging it back to the merchant or dispute, or will anything help?
I'm not a professional, but from my personal experience, my credit score went back up almost immediately after paying off the high balance. (It is different from a late payment in that it doesn't come up as a negative factor. Therefore it goes back up as quickly as it went down.)

Offline Hershelsdeals

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Re: credit score
« Reply #698 on: May 17, 2015, 11:15:35 AM »
I'm not a professional, but from my personal experience, my credit score went back up almost immediately after paying off the high balance. (It is different from a late payment in that it doesn't come up as a negative factor. Therefore it goes back up as quickly as it went down.)
Thanks for the data.

Offline Yitzshpitz

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Re: credit score
« Reply #699 on: May 17, 2015, 09:47:53 PM »
How can I get a copy of my actual credit report? I get my score from barclays but something seems off about it and wanted to look into it.