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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 809607 times)

Offline David Smith

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Re: credit score
« Reply #1220 on: November 03, 2015, 02:01:24 PM »
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.
They normally do that automatically, 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 CS91

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Re: credit score
« Reply #1221 on: November 03, 2015, 02:01:54 PM »
They normally do that automatically, no?

Based on what the rep that I spoke to said, no. But he could've been wrong.

Offline D93

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Re: credit score
« Reply #1222 on: November 03, 2015, 02:07:06 PM »
Anyone ever have any luck getting one of these infamous Citi double pulls removed?

Offline ChaimMoskowitz

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Re: credit score
« Reply #1223 on: November 03, 2015, 02:12:11 PM »
Anyone ever have any luck getting one of these infamous Citi double pulls removed?
What CRA?
I just found a new supply of forks!

Offline D93

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Re: credit score
« Reply #1224 on: November 03, 2015, 02:12:45 PM »

Offline ChaimMoskowitz

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Re: credit score
« Reply #1225 on: November 03, 2015, 02:17:23 PM »
I just found a new supply of forks!

Offline Adam101

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Re: credit score
« Reply #1226 on: November 03, 2015, 02:35:01 PM »
How often does FICO update?

Offline ChaimMoskowitz

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Re: credit score
« Reply #1227 on: November 03, 2015, 02:51:08 PM »
How often does FICO update?
I would guess every time something gets reported.
I just found a new supply of forks!

Offline a mirrer

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Re: credit score
« Reply #1228 on: November 03, 2015, 03:01:37 PM »
Should be a piece of cake.
-1 IME because they are coded differently one is citibank and one is citi cards

Offline tzifanya54

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Re: credit score
« Reply #1229 on: November 03, 2015, 03:02:48 PM »
-1 IME because they are coded differently one is citibank and one is citi cards
Does every app from citi result in 2 pulls like that?

Offline a mirrer

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Re: credit score
« Reply #1230 on: November 03, 2015, 03:04:03 PM »
Does every app from citi result in 2 pulls like that?
IME it was for a personal and biz on the same day

Offline D93

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Re: credit score
« Reply #1231 on: November 03, 2015, 03:05:24 PM »
Does every app from citi result in 2 pulls like that?
No

Offline Aaaron

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Re: credit score
« Reply #1232 on: November 04, 2015, 12:58:36 PM »
My wife just got a letter that her Citi card (her first and only card) was closed due to inactivity.  They won't let her reopen without applying.  She's an AU on most of my cards, she's on our mortgage and her car loan.  How will this affect her credit and is there anything to do at this point?  Would a new Citi card "reactivate" her credit history length?  She was in the mid to upper 700s last we checked.

Offline Mendelssohn

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Re: credit score
« Reply #1233 on: November 04, 2015, 04:07:41 PM »
My wife just got a letter that her Citi card (her first and only card) was closed due to inactivity.  They won't let her reopen without applying.  She's an AU on most of my cards, she's on our mortgage and her car loan.  How will this affect her credit and is there anything to do at this point?  Would a new Citi card "reactivate" her credit history length?  She was in the mid to upper 700s last we checked.

Ideally for FICO scoring she needs 5+ cards open in her own name. Her score may not change, but some issuers don't like to approve with no open primary cards.

You can't regain the history with a new unfortunately. You can try contacting the Citi Exec Office and trying to get the card reopened that way.

To avoid inactivity in the future, at least buy a 50 cent Amazon GC every few months.

Offline CS91

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Re: credit score
« Reply #1234 on: November 04, 2015, 04:15:42 PM »
Aren't the "Open Dates" for Amex on a report supposed to be the date when I got my first Amex? Just got the ED recently and it shows the date when I actually opened it and not 2012 which is when I got my first Amex. Also says the date for when I got my AU card for my wife's account. Is this normal?

Offline Mendelssohn

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Re: credit score
« Reply #1235 on: November 04, 2015, 04:22:52 PM »
Aren't the "Open Dates" for Amex on a report supposed to be the date when I got my first Amex? Just got the ED recently and it shows the date when I actually opened it and not 2012 which is when I got my first Amex. Also says the date for when I got my AU card for my wife's account. Is this normal?

Amex stopped backdating new cards last Spring.

All Amex AU accounts report the date opened from the date the AU was added. If you add an AU to a 20 year old Amex, it reports like a new account.

Offline Aaaron

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Re: credit score
« Reply #1236 on: November 04, 2015, 04:24:40 PM »
Ideally for FICO scoring she needs 5+ cards open in her own name. Her score may not change, but some issuers don't like to approve with no open primary cards.

You can't regain the history with a new unfortunately. You can try contacting the Citi Exec Office and trying to get the card reopened that way.

To avoid inactivity in the future, at least buy a 50 cent Amazon GC every few months.

Ouch, but thanks.  I'll have her try again to get it reopened.  In the meantime I guess it's time to get her in the game properly.  She was using it fairly regularly but must have let that lapse recently.

Offline CS91

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Re: credit score
« Reply #1237 on: November 04, 2015, 04:35:28 PM »
Amex stopped backdating new cards last Spring.

All Amex AU accounts report the date opened from the date the AU was added. If you add an AU to a 20 year old Amex, it reports like a new account.
Didn't know. Now who knows when I'll be eligible for a Chase card again.

Offline tzifanya54

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Re: credit score
« Reply #1238 on: November 04, 2015, 08:47:18 PM »
My wife just got a letter that her Citi card (her first and only card) was closed due to inactivity.  They won't let her reopen without applying.  She's an AU on most of my cards, she's on our mortgage and her car loan.  How will this affect her credit and is there anything to do at this point?  Would a new Citi card "reactivate" her credit history length?  She was in the mid to upper 700s last we checked.
After how many years of inactivaty was this? I've had cards that sat untouched for 2-3 years with them, and they are still open.. (Yes I know I technically should use them)

Offline Aaaron

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Re: credit score
« Reply #1239 on: November 04, 2015, 09:40:40 PM »
I think under 1 year..  I'll have to check, but I even thought it was less than 6 months.