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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 809248 times)

Offline David Smith

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Re: credit score
« Reply #1200 on: October 29, 2015, 01:20:11 PM »
You are not getting any sympathy form me. 
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
JTZ

Offline David Smith

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Re: credit score
« Reply #1201 on: October 29, 2015, 01:31:57 PM »
Let us know what you find.  :)
Some scary info there (at least for me). A must read. I didn't realize letting a $5 balance report with 10 cards is much worse than letting $5000 report with one.
(The most interesting thing i learned? That Friday isn't just a DDF thing.   I'm so out of it sometimes.)
« Last Edit: October 29, 2015, 01:49:13 PM by David Smith »
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
JTZ

Offline ChaimMoskowitz

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Re: credit score
« Reply #1202 on: October 29, 2015, 01:49:14 PM »
Some scary info there (at least for me). A must read. I didn't realize letting a $5 balance report with 10 cards is much worse than letting $5000 report with one.
What is nice is we have one of the experts from there posting here. If he can convince some of his buddies to give this place a try it would be a real benefit for everyone.
I just found a new supply of forks!

Offline David Smith

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Re: credit score
« Reply #1203 on: October 29, 2015, 01:50:02 PM »
What is nice is we have one of the experts from there posting here. If he can convince some of his buddies to give this place a try it would be a real benefit for everyone.
I didn't see much about charge cards, though.
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
JTZ

Offline ChaimMoskowitz

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Re: credit score
« Reply #1204 on: October 29, 2015, 01:50:37 PM »
The most interesting thing i learned? That Friday isn't just a DDF thing.
ROFLMAO!
I just found a new supply of forks!

Offline David Smith

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Re: credit score
« Reply #1205 on: October 29, 2015, 01:51:54 PM »
ROFLMAO!
BTW their emojis are a heck of a lot better than Tapatalk's.
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
JTZ

Offline David Smith

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Re: credit score
« Reply #1206 on: October 29, 2015, 01:59:47 PM »
I just paid off all my chase cards, which leaves about $7 across 3 cards left. I'm supposed to cut down from that too, no?
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
JTZ

Offline ChaimMoskowitz

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Re: credit score
« Reply #1207 on: October 29, 2015, 02:01:37 PM »
I just paid off all my chase cards, which leaves about $7 across 3 cards left. I'm supposed to cut down from that too, no?
Yes. $2 balance on one card and one card only!
I just found a new supply of forks!

Offline David Smith

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Re: credit score
« Reply #1208 on: October 29, 2015, 02:02:16 PM »
Yes. $2 balance on one card and one card only!
The $3 for Discover is confirmed? (I just checked up my amex ex fico and went up just one lousy point.   I've got work to do.)
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
JTZ

Offline benjie1305

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Re: credit score
« Reply #1209 on: October 29, 2015, 02:12:41 PM »
I can only advise in regards to Credit scores and models to check out the CBs a bit more in depth. Some great knowledge exists there that will give a very good insight into the credit score world as CM and Mendelssohn have shown and explained.
Work hard, Play harder!

Offline ChaimMoskowitz

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Re: credit score
« Reply #1210 on: October 29, 2015, 02:16:45 PM »
I can only advise in regards to Credit scores and models to check out the CBs a bit more in depth. Some great knowledge exists there that will give a very good insight into the credit score world as CM and Mendelssohn have shown and explained.
I am in no way in the same class.
I just found a new supply of forks!

Offline benjie1305

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Re: credit score
« Reply #1211 on: October 29, 2015, 02:18:08 PM »
I am in no way in the same class.

Not ranking the mentioned ones, merely mentioning the ones who have shown to venture around the CBs.
Work hard, Play harder!

Offline Mendelssohn

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Re: credit score
« Reply #1212 on: October 29, 2015, 02:49:16 PM »
You guys are getting it. $2 on 1 card (or $3 in Discover) with the rest reporting $0.  $2 is recommended because it is the smallest balance (except Discover) that is almost guaranteed to not get credited to $0. If your reports are not completely clean, it won't make much of a difference. How much this helps depends on a lot of factors in your profile, but you will get max points from utilization this way.

You can thank BobWang from CB for the research. Nobody outside of FICO understands the scoring models better than he does.

Offline ChaimMoskowitz

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Re: credit score
« Reply #1213 on: October 29, 2015, 02:54:29 PM »
You can thank BobWang from CB for the research. Nobody outside of FICO understands the scoring models better than he does.
How do we get BW to start posting here?
I just found a new supply of forks!

Offline srap

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Re: credit score
« Reply #1214 on: October 31, 2015, 10:12:54 PM »

Offline Luvtotravel

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Re: credit score
« Reply #1215 on: November 03, 2015, 12:33:24 AM »
i checked my credit report and see that while i applied for three amex cards using 3bm, my credit was pulled on three consecutive days, im figuring one each day that a card was approved. how do i fight this?
Don't wait for the perfect moment; take the moment and make it perfect.

Offline D93

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Re: credit score
« Reply #1216 on: November 03, 2015, 12:43:35 AM »
i checked my credit report and see that while i applied for three amex cards using 3bm, my credit was pulled on three consecutive days, im figuring one each day that a card was approved. how do i fight this?
Call EX

Offline CS91

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Re: credit score
« Reply #1217 on: November 03, 2015, 08:56:52 AM »
Call EX

Just had that a bit ago. Called EX and they took the "extra" ones off no problem.

Offline Luvtotravel

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Re: credit score
« Reply #1218 on: November 03, 2015, 11:20:46 AM »
Just had that a bit ago. Called EX and they took the "extra" ones off no problem.
tx. ill do that
im truly a noob to the checking credit game i always just coasted along paying my cards on time until i was met by a rude awakening... whats the difference between credit usage and credit utilization ratio?
Don't wait for the perfect moment; take the moment and make it perfect.

Offline CS91

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Re: credit score
« Reply #1219 on: November 03, 2015, 02:00:06 PM »
tx. ill do that
im truly a noob to the checking credit game
Make sure to ask them to send you a report once the change has been made so you can double check it. They should waive the charge and do it for free.