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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 809216 times)

Offline etech0

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Re: credit score
« Reply #1280 on: November 06, 2015, 11:27:46 AM »
Amex PRG, Amex SPG, Chase IP and Freedom.

I'm not carrying my Freedom this quarter but usually do.
Nice! Can I guess: PRG for groceries/gas/travel, IP for office supplies, SPG for everything else?

Why not the EDP or BCP?
Workflowy. You won't know what you're missing until you try it.

Offline David Smith

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Re: credit score
« Reply #1281 on: November 06, 2015, 11:31:21 AM »
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 #1282 on: November 06, 2015, 03:24:18 PM »
Nice! Can I guess: PRG for groceries/gas/travel, IP for office supplies, SPG for everything else?

Why not the EDP or BCP?

With the airline credit on the PRG, I consider the AF equal to the EDP. The grocery cap on the EDP is only $6K. What am I supposed to do the other 364 days?

If you spend in the $40s with the PRG in the bonus categories you surpass the earning of the EDP. I'm way above the breakeven point.

My PRG is also backdated to 1992, so I don't want to close it.

Offline David Smith

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Re: credit score
« Reply #1283 on: November 06, 2015, 04:09:01 PM »
With the airline credit on the PRG, I consider the AF equal to the EDP. The grocery cap on the EDP is only $6K. What am I supposed to do the other 364 days?

If you spend in the $40s with the PRG in the bonus categories you surpass the earning of the EDP. I'm way above the breakeven point.

My PRG is also backdated to 1992, so I don't want to close it.
Why don't you have an OBC then?
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 #1284 on: November 06, 2015, 04:28:49 PM »
Why don't you have an OBC then?

I just haven't gotten one yet. I also like that the PRG is uncapped. $50K is not enough.

I have 3 cards backdated to 1992 that are still open though and don't plan on closing them.  I'm also house hunting, so no new cards for me until that's done.

Offline David Smith

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Re: credit score
« Reply #1285 on: November 06, 2015, 04:40:43 PM »
I just haven't gotten one yet. I also like that the PRG is uncapped. $50K is not enough.

I have 3 cards backdated to 1992 that are still open though and don't plan on closing them.  I'm also house hunting, so no new cards for me until that's done.
Until $53,500 obc is pretty decent, no? $2535 back.
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 #1286 on: November 06, 2015, 05:03:11 PM »
Until $53,500 obc is pretty decent, no? $2535 back.

I will get one eventually. Like I said, mortgage first.

Offline PillanSmye

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Re: credit score
« Reply #1287 on: November 06, 2015, 09:36:30 PM »
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.)

Why leave $3 on Disco?  Leave $2 on Disco and $2 on another card.

Disco will write off the $2.  So they are paying you $24/yr to hold their card.  One of the few cards that pays YOU an AF.   ;D

Offline PillanSmye

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Re: credit score
« Reply #1288 on: November 06, 2015, 09:38:22 PM »
How often does FICO update?

FICO is a snap shot of time.  Every time your report gets pulled your FICO score is "updated" to that particular moment.
« Last Edit: November 06, 2015, 09:46:52 PM by PillanSmye »

Offline PillanSmye

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Re: credit score
« Reply #1289 on: November 06, 2015, 09:41:51 PM »
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 .

DCU also offers some of the best auto loans.  New, used and refinance.

Your experience of being triple pulled for DCU is the first I have heard about it.

Offline etech0

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Re: credit score
« Reply #1290 on: November 07, 2015, 06:23:11 PM »
With the airline credit on the PRG, I consider the AF equal to the EDP. The grocery cap on the EDP is only $6K. What am I supposed to do the other 364 days?

If you spend in the $40s with the PRG in the bonus categories you surpass the earning of the EDP. I'm way above the breakeven point.

My PRG is also backdated to 1992, so I don't want to close it.
I didn't realize the PRG was uncapped. Good for you! :)
Workflowy. You won't know what you're missing until you try it.

Offline PillanSmye

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Re: credit score
« Reply #1291 on: November 08, 2015, 12:49:10 AM »
PRG also gives a 15000 MR bonus if you spend over $30K.

It was supposed to end this year, but I still got mine.

Offline yochiek93

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Re: credit score
« Reply #1292 on: November 08, 2015, 12:53:51 AM »
I didn't realize the PRG was uncapped. Good for you! :)
Like all charge cards

Offline David Smith

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Re: credit score
« Reply #1293 on: November 08, 2015, 01:39:33 AM »
Like all charge cards
What does being a charge card have to do with bonus category being uncapped?
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 PillanSmye

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Re: credit score
« Reply #1294 on: November 08, 2015, 03:36:52 AM »
What does being a charge card have to do with bonus category being uncapped?
Nothing really.  Not that it matters because it is actually a false statement.  The Business Gold Rewards has caps on both the 3X and 2X categories

Offline D93

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Re: credit score
« Reply #1295 on: November 08, 2015, 05:14:08 AM »
PRG also gives a 15000 MR bonus if you spend over $30K.

It was supposed to end this year, but I still got mine.
When did you sign up for the PRG?

Offline PillanSmye

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Re: credit score
« Reply #1296 on: November 08, 2015, 05:17:08 AM »
When did you sign up for the PRG?
November 2014 (November 1995  ;)  )

Offline Mendelssohn

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Re: credit score
« Reply #1297 on: November 08, 2015, 07:26:42 AM »
PRG also gives a 15000 MR bonus if you spend over $30K.

It was supposed to end this year, but I still got mine.

I got my 15K as well.

I opened my PRG Feb 2014 (1992).
« Last Edit: November 08, 2015, 07:32:13 AM by Mendelssohn »

Offline D93

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Re: credit score
« Reply #1298 on: November 08, 2015, 07:28:20 AM »
November 2014 (November 1995  ;)  )
I got my 15K as well.

I opened my PRG Feb 2014.
That seems to be the reason, AFAIK anyone that opened their PRG after January 2015 did not receive the 15k/$30k bonus.

Offline Aron27

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Re: credit score
« Reply #1299 on: November 08, 2015, 07:32:51 AM »
That seems to be the reason, AFAIK anyone that opened their PRG after January 2015 did not receive the 15k/$30k bonus.
Like me..