Topic Wiki

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 809630 times)

Offline jameswacht

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Aug 2014
  • Posts: 383
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: ny
Re: credit score
« Reply #960 on: September 01, 2015, 10:05:11 PM »
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)
Thanks for your help! Looks like to max out one month ain't too big a deal

Offline TimT

  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • ********
  • Join Date: Dec 2013
  • Posts: 22077
  • Total likes: 7130
  • DansDeals.com Hat Tips 12
    • View Profile
Re: credit score
« Reply #961 on: September 01, 2015, 10:08:38 PM »
Thanks for your help! Looks like to max out one month ain't too big a deal
I'm not sure if maxing out 100k is the same as maxing out 10k or not. An expert in maxing out will need to chime in on that one. :)
Do you need to do it all on 1 card ? Can't you divide that 100k up between a bunch of cards ?

Offline jameswacht

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Aug 2014
  • Posts: 383
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: ny
Re: credit score
« Reply #962 on: September 01, 2015, 10:13:24 PM »
I'm not sure if maxing out 100k is the same as maxing out 10k or not. An expert in maxing out will need to chime in on that one. :)
Do you need to do it all on 1 card ? Can't you divide that 100k up between a bunch of cards ?
My 100k cl is amongst all my cards together. Credit utilization from my understanding doesn't work based off individual accounts it's calculated based off your total cl among all your accounts. Correct me of I'm wrong

Offline TimT

  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • ********
  • Join Date: Dec 2013
  • Posts: 22077
  • Total likes: 7130
  • DansDeals.com Hat Tips 12
    • View Profile
Re: credit score
« Reply #963 on: September 01, 2015, 10:14:12 PM »
My 100k cl is amongst all my cards together. Credit utilization from my understanding doesn't work based off individual accounts it's calculated based off your total cl among all your accounts. Correct me of I'm wrong
it goes according to each card's CL & total CL.

Offline TimT

  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • ********
  • Join Date: Dec 2013
  • Posts: 22077
  • Total likes: 7130
  • DansDeals.com Hat Tips 12
    • View Profile
Re: credit score
« Reply #964 on: September 01, 2015, 10:16:00 PM »
Aha. Ok here comes the follow up question. Is it a big deal to max out both?
A big deal ? It'll knock the score down. And the banks might not like it too much

Offline jameswacht

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Aug 2014
  • Posts: 383
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: ny
Re: credit score
« Reply #965 on: September 01, 2015, 10:17:15 PM »
A big deal ? It'll knock the score down.
for how long if u keep the credit utilization low?

Offline noturbizniss

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2012
  • Posts: 7116
  • Total likes: 140
  • DansDeals.com Hat Tips 4
  • Gender: Male
    • View Profile
  • Location: North Jersey
Re: credit score
« Reply #966 on: September 01, 2015, 10:18:28 PM »
for how long if u keep the credit utilization low?
Yes, but again if you pay off the balance and the next statement closes with no balance then your good to go.
READ THE DARN WIKI!!!!

Chuck Norris...
...can still do FT method
...READS THE WIKI!!!

Offline TimT

  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • ********
  • Join Date: Dec 2013
  • Posts: 22077
  • Total likes: 7130
  • DansDeals.com Hat Tips 12
    • View Profile
Re: credit score
« Reply #967 on: September 01, 2015, 10:20:04 PM »
Yes, but again if you pay off the balance and the next statement closes with no balance then your good to go.
Any difference if its a 5k CL or 500k CL that was maxed ?

Offline noturbizniss

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2012
  • Posts: 7116
  • Total likes: 140
  • DansDeals.com Hat Tips 4
  • Gender: Male
    • View Profile
  • Location: North Jersey
Re: credit score
« Reply #968 on: September 01, 2015, 10:52:57 PM »
Any difference if its a 5k CL or 500k CL that was maxed ?
Iinm it's the percentage. Anyone with knowledge?
READ THE DARN WIKI!!!!

Chuck Norris...
...can still do FT method
...READS THE WIKI!!!

Offline caliheat

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Dec 2008
  • Posts: 604
  • Total likes: 5
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: RDU
Re: credit score
« Reply #969 on: September 02, 2015, 02:36:32 AM »
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?
IME, the score doesn't just go back after a subsequent payment, it can take a few months to get back to square one.

Offline ChaimMoskowitz

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Jun 2014
  • Posts: 6738
  • Total likes: 1097
  • DansDeals.com Hat Tips 1
  • Gender: Female
    • View Profile
Re: credit score
« Reply #970 on: September 02, 2015, 02:36:00 PM »
And now, a week later, we're back  ::)


CK is 100% useless. How can I phrase this so everyone understands?  :)
« Last Edit: September 02, 2015, 02:39:15 PM by ChaimMoskowitz »
I just found a new supply of forks!

Offline ChaimMoskowitz

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Jun 2014
  • Posts: 6738
  • Total likes: 1097
  • DansDeals.com Hat Tips 1
  • Gender: Female
    • View Profile
Re: credit score
« Reply #971 on: September 02, 2015, 02:38:21 PM »
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)
It is now believed it takes many months to get back to its original level. Most of it will be recovered immediately when paid off.

Didn't see this:
IME, the score doesn't just go back after a subsequent payment, it can take a few months to get back to square one.
I just found a new supply of forks!

Offline noturbizniss

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2012
  • Posts: 7116
  • Total likes: 140
  • DansDeals.com Hat Tips 4
  • Gender: Male
    • View Profile
  • Location: North Jersey
Re: credit score
« Reply #972 on: September 02, 2015, 02:42:28 PM »
CK is 100% useless. How can I phrase this so everyone understands?  :)
I think most of us understand, and really use it only for viewing the report. However it is still a gut punch to see a huge drop in a score, even when we all know it is meaningless. Hell, if Dan ever gets around to implementing a tool that actually calculates your DansDeals PoppyseedŽ FAKO score we will likely have the same reaction.
READ THE DARN WIKI!!!!

Chuck Norris...
...can still do FT method
...READS THE WIKI!!!

Offline TimT

  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • ********
  • Join Date: Dec 2013
  • Posts: 22077
  • Total likes: 7130
  • DansDeals.com Hat Tips 12
    • View Profile
Re: credit score
« Reply #973 on: September 02, 2015, 03:19:36 PM »
It is now believed it takes many months to get back to its original level. Most of it will be recovered immediately when paid off.
Thanks for the data point. Do you know the answer to this ?
Any difference if its a 5k CL or 500k CL that was maxed ?

Offline ChaimMoskowitz

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Jun 2014
  • Posts: 6738
  • Total likes: 1097
  • DansDeals.com Hat Tips 1
  • Gender: Female
    • View Profile
Re: credit score
« Reply #974 on: September 02, 2015, 03:20:47 PM »
Thanks for the data point. Do you know the answer to this ?
No.
I just found a new supply of forks!

Offline Hamavin

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Oct 2012
  • Posts: 1628
  • Total likes: 3
  • DansDeals.com Hat Tips 0
    • View Profile
Re: credit score
« Reply #975 on: September 06, 2015, 04:01:01 PM »
How bad is it to close a statement with 16k out of 18k used? should I make myself nuts to payoff before statement closes?...its a barclay card..

Offline benjie1305

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2013
  • Posts: 5844
  • Total likes: 17
  • DansDeals.com Hat Tips 15
  • Gender: Male
    • View Profile
  • Location: NY Area
Re: credit score
« Reply #976 on: September 06, 2015, 04:04:40 PM »
How bad is it to close a statement with 16k out of 18k used? should I make myself nuts to payoff before statement closes?...its a barclay card..

Card doesnt matter. Its still 89% utilization on that card.
Work hard, Play harder!

Offline Hamavin

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Oct 2012
  • Posts: 1628
  • Total likes: 3
  • DansDeals.com Hat Tips 0
    • View Profile
Re: credit score
« Reply #977 on: September 06, 2015, 04:05:31 PM »
89% utilization is very bad?

Offline TimT

  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • ********
  • Join Date: Dec 2013
  • Posts: 22077
  • Total likes: 7130
  • DansDeals.com Hat Tips 12
    • View Profile
Re: credit score
« Reply #978 on: September 06, 2015, 04:09:44 PM »
89% utilization is very bad?
High utilization is not good for the score.

Offline Hamavin

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Oct 2012
  • Posts: 1628
  • Total likes: 3
  • DansDeals.com Hat Tips 0
    • View Profile
Re: credit score
« Reply #979 on: September 06, 2015, 04:12:33 PM »
Oish even if pay in full before due date?