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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 809330 times)

Offline Mendelssohn

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Re: credit score
« Reply #1260 on: November 05, 2015, 04:41:53 AM »
I had DCU  I wanted to save myself money on a secure card so I applied for a DCU  card which was free,  I regretted it very much,  they have very bad costumer service,  the pulled my credit 3 times,  each additional user they pulled 3 times as well,  it's very difficult to manage the card.  I hated it.  I'd recommend not to touch DCU .

Having a checking account for a free FICO score doesn't mean that you really need to use them. I highly recommend them only for the free FICO.

Offline ChaimMoskowitz

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Re: credit score
« Reply #1261 on: November 05, 2015, 06:48:47 AM »
what if i want all my statements to close on the same date so that i should be able to keep track of it all?
+1. I think I'm gonna call the companies and ask for that.
Be careful because some CC companies report mid-cycle or at the end of the month instead of statement close date.
I just found a new supply of forks!

Offline ChaimMoskowitz

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Re: credit score
« Reply #1262 on: November 05, 2015, 06:49:26 AM »
Having a checking account for a free FICO score doesn't mean that you really need to use them. I highly recommend them only for the free FICO.
Are they also easy to get a high CL or CLI's for their CC's?
I just found a new supply of forks!

Offline Mendelssohn

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Re: credit score
« Reply #1263 on: November 05, 2015, 08:24:33 AM »
Are they also easy to get a high CL or CLI's for their CC's?

Not really.  Search "rosefactor" on CB.   ;D

They also report the balance as of the last day of the month, not the statement date.

Despite all that, getting a free EQ 04 FICO is worth having a checking account.

Offline David Smith

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Re: credit score
« Reply #1264 on: November 05, 2015, 09:16:13 AM »
So would asking them to move the  statement date to the first of the month be OK? I hate juggling bills.
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 yochiek93

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Re: credit score
« Reply #1265 on: November 05, 2015, 09:17:54 AM »


I hate juggling bills.

With you on that

Offline Mendelssohn

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Re: credit score
« Reply #1266 on: November 05, 2015, 10:27:59 AM »
So would asking them to move the  statement date to the first of the month be OK? I hate juggling bills.

Their CCs aren't worth having. 

I have one that I never use.  I buy a 50 cent Amazon GC every 3 months and pay it off as soon as it posts.

Offline David Smith

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Re: credit score
« Reply #1267 on: November 05, 2015, 10:32:54 AM »
Their CCs aren't worth having. 

I have one that I never use.  I buy a 50 cent Amazon GC every 3 months and pay it off as soon as it posts.
I don't mean dcu cards, i mean all of my credit cards. I have closing dates scattered all over the place, which is annoying if you can't fall back onto auto pay.
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 Mendelssohn

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Re: credit score
« Reply #1268 on: November 05, 2015, 10:38:22 AM »
I don't mean dcu cards, i mean all of my credit cards. I have closing dates scattered all over the place, which is annoying if you can't fall back onto auto pay.

I have no issue tracking 20+ cards.  Use an Excel spreadsheet.  I do that, but honestly don't even need it to remember.

Offline etech0

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Re: credit score
« Reply #1269 on: November 05, 2015, 10:45:01 AM »
I have no issue tracking 20+ cards.  Use an Excel spreadsheet.  I do that, but honestly don't even need it to remember.
What system to use you to remind you when each card is closing, so you can pay it off before that happens?
Workflowy. You won't know what you're missing until you try it.

Offline Mendelssohn

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Re: credit score
« Reply #1270 on: November 05, 2015, 10:49:55 AM »
What system to use you to remind you when each card is closing, so you can pay it off before that happens?

My noggin. 

Offline srap

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Re: credit score
« Reply #1271 on: November 05, 2015, 10:51:34 AM »
My noggin.
Another hint as to why CM admires you  :)   Your posts are eyeopening.  TY.

Offline etech0

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Re: credit score
« Reply #1272 on: November 05, 2015, 11:00:25 AM »
Workflowy. You won't know what you're missing until you try it.

Offline ChaimMoskowitz

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Re: credit score
« Reply #1273 on: November 05, 2015, 04:04:24 PM »
I don't mean dcu cards, i mean all of my credit cards. I have closing dates scattered all over the place, which is annoying if you can't fall back onto auto pay.
Don't everyone only use one card (OK maybe 2)?  ???
I just found a new supply of forks!

Offline Scmcodes

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Re: credit score
« Reply #1274 on: November 05, 2015, 04:50:23 PM »
Citi identity monitor gives you all 3 fico scores for free.
do u have a link for it?

Offline Mendelssohn

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Re: credit score
« Reply #1275 on: November 05, 2015, 05:29:58 PM »
Don't everyone only use one card (OK maybe 2)?  ???

Most of my spending is on 4 cards, but I heavily MS a bunch of other cards.

Offline Mendelssohn

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Re: credit score
« Reply #1276 on: November 05, 2015, 05:31:55 PM »
do u have a link for it?

I think that was discontinued for new members.

Either way, they didn't/don't provide FICO scores.

Offline etech0

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Re: credit score
« Reply #1277 on: November 05, 2015, 08:14:13 PM »
Most of my spending is on 4 cards, but I heavily MS a bunch of other cards.
Hmmm... which four? (If you don't mind my asking)
Workflowy. You won't know what you're missing until you try it.

Offline eli1571

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Re: credit score
« Reply #1278 on: November 05, 2015, 08:16:56 PM »
I think under 1 year..  I'll have to check, but I even thought it was less than 6 months.
Citi closed my first  card after 3 Years of inactivity, I didn't use it as I had newer cards with better  PPD. Tried all departments to get it reopened nothing helped, (although  by me it wasn't my whole history just knocked.off  about a year )

Offline Mendelssohn

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Re: credit score
« Reply #1279 on: November 06, 2015, 12:41:28 AM »
Hmmm... which four? (If you don't mind my asking)

Amex PRG, Amex SPG, Chase IP and Freedom.

I'm not carrying my Freedom this quarter but usually do.