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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 810043 times)

Offline noturbizniss

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Re: credit score
« Reply #1140 on: October 12, 2015, 03:15:28 PM »
Does Experian's view your report again work for anyone?
stopped working for me :'(
hasnt worked for me since july
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Offline Hidden

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Re: credit score
« Reply #1141 on: October 12, 2015, 03:16:48 PM »
My old link started redirecting to new page that asks for email and that's when the trouble started

Offline Freddie

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Re: credit score
« Reply #1142 on: October 13, 2015, 02:14:50 PM »
Discover just sent me a letter, they closed my wife's old Discover card for inactivity since she hasn't used it in years.

Will this show negatively on her report (and mine as an AU) since the bank closed the card?

Offline ChaimMoskowitz

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Re: credit score
« Reply #1143 on: October 13, 2015, 02:29:37 PM »
Discover just sent me a letter, they closed my wife's old Discover card for inactivity since she hasn't used it in years.

Will this show negatively on her report (and mine as an AU) since the bank closed the card?
No. If it did no one would ever give me a card again.  :)
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Offline Freddie

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Re: credit score
« Reply #1144 on: October 13, 2015, 02:30:18 PM »
No. If it did no one would ever give me a card again.  :)
Ok, good to know! Thanks!

Offline yitrap

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Re: credit score
« Reply #1145 on: October 13, 2015, 02:32:10 PM »

No. If it did no one would ever give me a card again.  :)
Do I remember you saying the same regarding amex closing you down during a F/R?

Offline ChaimMoskowitz

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Re: credit score
« Reply #1146 on: October 13, 2015, 02:45:57 PM »
Do I remember you saying the same regarding amex closing you down during a F/R?
I say so many things how would I know. Amex closed cards did not have anything to do with the FR. It had no effect on me getting new Amex cards with one of them being the same as one of them they closed. Of course that one was closed also after some well deserved abuse done to it.  :)
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Offline pixi

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Re: credit score
« Reply #1147 on: October 19, 2015, 08:27:56 AM »
Does the percentage of the utilization depend in the credit line of each individual credit card limit,  or over all all together?
money doesn't talk......      it SCREAMS !

Offline benjie1305

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Re: credit score
« Reply #1148 on: October 19, 2015, 08:32:02 AM »
Does the percentage of the utilization depend in the credit line of each individual credit card limit,  or over all all together?

Credit utilization ratio applies for each card you have individually (don’t use too much of your credit on any card) and across all of your cards collectively..
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Offline pixi

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Re: credit score
« Reply #1149 on: October 19, 2015, 08:33:21 AM »
Credit utilization ratio applies for each card you have individually (don’t use too much of your credit on any card) and across all of your cards collectively..
Ouch!  One of my credit card closed with a hight balance,  I forgot to pay it off before the cycle ended,  is there anything I can do?
money doesn't talk......      it SCREAMS !

Offline Josef.koney

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Re: credit score
« Reply #1150 on: October 19, 2015, 08:36:16 AM »
Once we're talking about this again... does the utilization on a charge card differ from a credit card?

Offline noturbizniss

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Re: credit score
« Reply #1151 on: October 19, 2015, 08:38:45 AM »
Once we're talking about this again... does the utilization on a charge card differ from a credit card?
Based on highest closing balance you've had on the card
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Offline noturbizniss

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Re: credit score
« Reply #1152 on: October 19, 2015, 08:39:14 AM »
Ouch!  One of my credit card closed with a hight balance,  I forgot to pay it off before the cycle ended,  is there anything I can do?
Not apply for more credit till next statement?
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Offline Josef.koney

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Re: credit score
« Reply #1153 on: October 19, 2015, 08:41:19 AM »
Based on highest closing balance you've had on the card
But not for the monthly utilization I take it?

Offline noturbizniss

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Re: credit score
« Reply #1154 on: October 19, 2015, 09:19:03 AM »
But not for the monthly utilization I take it?
Not following.
If statement in first month closes at 1k then that's what the report shows as credit limit. If next month th it closes ta 20k then that's your new limit.
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Offline ChaimMoskowitz

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Re: credit score
« Reply #1155 on: October 19, 2015, 09:21:46 AM »
Not following.
If statement in first month closes at 1k then that's what the report shows as credit limit. If next month th it closes ta 20k then that's your new limit.
So if in month one and two my statement closes with a $10 balance they will look at that card as 100% utilization?
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Offline Josef.koney

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Re: credit score
« Reply #1156 on: October 19, 2015, 09:23:57 AM »
Not following.
If statement in first month closes at 1k then that's what the report shows as credit limit. If next month th it closes ta 20k then that's your new limit.
And then if I close the account then I'll be 20k less credit line (problem for my score?) Or is that only for the percentage of credit I use every month?

Offline doovid d

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Re: credit score
« Reply #1157 on: October 19, 2015, 09:53:39 AM »
Would anyone know the probability of me getting approved for a credit card (especialy chase cc )with a credit score of 640 i just  leased a car and my score dropped from 740 to the current one

Offline noturbizniss

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Re: credit score
« Reply #1158 on: October 19, 2015, 10:17:31 AM »
So if in month one and two my statement closes with a $10 balance they will look at that card as 100% utilization?
That's my understanding. Haven't used charge cards much lately so I can't comment on my own experience.
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Re: credit score
« Reply #1159 on: October 19, 2015, 01:06:51 PM »
So if in month one and two my statement closes with a $10 balance they will look at that card as 100% utilization?
but it doesn't pull your score down like when a credit card closes with 100% utilization