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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 810072 times)

Offline Chapshnell

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Re: credit score
« Reply #940 on: August 27, 2015, 04:05:32 PM »
+100. As you can see from the FICO charts above even with the new AU cards coming in between November and May  the score went down very little. I actually called to get them removed becuase I saw the CK score drop and becuase my AAOA went down. 
The question is, with a score in the area of 800, would a lender still be worried about so many new accounts and AAOA being low?

Barclays doesnt care about your score when you have a zillion new accts. Chase is close but not as strict

Offline noturbizniss

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Re: credit score
« Reply #941 on: August 27, 2015, 04:23:57 PM »
Barclays doesnt care about your score when you have a zillion new accts. Chase is close but not as strict
I know. I actually got denied new credit from barclays because of the new au accounts.
I was actually referring to mortgage lenders or finances for cars and the like.
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Offline caliheat

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Re: credit score
« Reply #942 on: August 27, 2015, 09:15:38 PM »
I know. I actually got denied new credit from barclays because of the new au accounts.
I was actually referring to mortgage lenders or finances for cars and the like.
IME with both mortgage and cars, they look more for any active disputes, continued carried balances or other open balances.
Although everything gets taken into consideration as a whole, especially when it comes to mortgage lenders.

Offline noturbizniss

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Re: credit score
« Reply #943 on: August 27, 2015, 10:00:31 PM »
Perhaps the reason my score didn't go down too much was becuase my total credit limit tripled or so with all the "new" accounts.
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Offline Marco Polo

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Re: credit score
« Reply #944 on: August 28, 2015, 08:30:17 AM »
Perhaps the reason my score didn't go down too much was becuase my total credit limit tripled or so with all the "new" accounts.
Could be.
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Offline jameswacht

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Re: credit score
« Reply #945 on: August 30, 2015, 04:34:40 PM »
is it a problem to have a large balance on your statement when its a personal charge card? does it count towards the percentage of credit line use?
« Last Edit: August 30, 2015, 04:40:17 PM by jameswacht »

Offline PETERP

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Re: credit score
« Reply #946 on: August 30, 2015, 05:29:23 PM »
is it a problem to have a large balance on your statement when its a personal charge card? does it count towards the percentage of credit line use?



Yes .it becomes a% of your utilization
rate . But does not mean it's a
problem if small % of total CL

Offline noturbizniss

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Re: credit score
« Reply #947 on: August 31, 2015, 06:41:08 AM »
is it a problem to have a large balance on your statement when its a personal charge card? does it count towards the percentage of credit line use?
It's good in the long run as the cl of a charge card is the highest balance reported. So let a 25k balance post and you've essentially added a 25k cl
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Offline PETERP

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Re: credit score
« Reply #948 on: August 31, 2015, 02:29:35 PM »
It's good in the long run as the cl of a charge card is the highest balance reported. So let a 25k balance post and you've essentially added a 25k cl

I have intentionally maxed out one of my cards over the years for this reason . But 1 card out of approx 18 cards that I had at the time.

Offline jameswacht

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Re: credit score
« Reply #949 on: September 01, 2015, 09:21:18 PM »
Yes .it becomes a% of your utilization
rate . But does not mean it's a
problem if small % of total CL
I have a 100k cl how bad will the effect be on my credit score if I max out completely for one statement?

Offline Brian93

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Re: credit score
« Reply #950 on: September 01, 2015, 09:32:16 PM »
I have a 100k cl how bad will the effect be on my credit score if I max out completely for one statement?
+1 same question

Offline caliheat

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Re: credit score
« Reply #951 on: September 01, 2015, 09:42:02 PM »
I have a 100k cl how bad will the effect be on my credit score if I max out completely for one statement?
I've seen it drop between 60-100 points.

Offline jameswacht

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Re: credit score
« Reply #952 on: September 01, 2015, 09:45:29 PM »
I've seen it drop between 60-100 points.
Does it have a long term effect? If I keep a low credit utilization for the subsequent months will the effect be repaired? Is it as bad as a late payment that stays for a long time on your CR?

Offline TimT

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Re: credit score
« Reply #953 on: September 01, 2015, 09:46:52 PM »
Does it have a long term effect? If I keep a low credit utilization for the subsequent months will the effect be repaired? Is it as bad as a late payment that stays for a long time on your CR?
When you pay it up it goes back up. Using your CL is not the same as a late payment.

Offline jameswacht

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Re: credit score
« Reply #954 on: September 01, 2015, 09:48:56 PM »
When you pay it up it goes back up.
So your saying there is Np having large balances on your statement as long as you pay it up? Than what's the difference between payment on time and low credit utilization which are the 2 big factors effecting ones credit?

Offline TimT

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Re: credit score
« Reply #955 on: September 01, 2015, 09:51:50 PM »
So your saying there is Np having large balances on your statement as long as you pay it up? Than what's the difference between payment on time and low credit utilization which are the 2 big factors effecting ones credit?
Low utilization keeps your score high. Having large balances when the statement prints hurts the score, even if you pay it up by the due date.

Offline Brian93

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Re: credit score
« Reply #956 on: September 01, 2015, 09:54:33 PM »
Low utilization keeps your score high. Having large balances when the statement prints hurts the score, even if you pay it up by the due date.
But how long will it stay low if you pay it off right away?

Offline jameswacht

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Re: credit score
« Reply #957 on: September 01, 2015, 09:55:25 PM »
Low utilization keeps your score high. Having large balances when the statement prints hurts the score, even if you pay it up by the due date.
So if it hurts your credit to carry large balances what does it take to rectify that? I'm able to make a few thousand dollars off a deal by maxing out my cl is it worth it?

Offline AJK

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Re: credit score
« Reply #958 on: September 01, 2015, 09:57:20 PM »
Nope, hasn't been any real activity in terms of churning or spending. Nor any AUs added.

I guess that's a bit comforting, but it still disturbs me when I see this:



Espcially if, presumably, CK is using the same algorithm between weeks.

And now, a week later, we're back  ::)

2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

Offline TimT

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Re: credit score
« Reply #959 on: September 01, 2015, 10:03:42 PM »
So if it hurts your credit to carry large balances what does it take to rectify that? I'm able to make a few thousand dollars off a deal by maxing out my cl is it worth it?
Paying it off rectifies it. I personally haven't tried it but people have reported it going back up the next month. (I don't remember if it went up all the way the next month or slowly)