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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 809951 times)

Offline Zalc

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Re: credit score
« Reply #1300 on: November 10, 2015, 02:41:28 PM »
Sorry if this was answered above, I couldn't find it.

I'd like to start having each card report $0 with 1 at the minimum needed to print on the statement.

I have all my cards split between 2 due dates each month (so I always have a portion of credit that isn't cycling in the next few days).

Do I have 1 card from each group report a balance when that group's statements cycle?

Or is it 1 card every 30 days?

Thanks!

Offline ChaimMoskowitz

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Re: credit score
« Reply #1301 on: November 10, 2015, 02:56:17 PM »
1 card with $2 ($3 for discover) reporting at one time.
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Offline Zalc

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Re: credit score
« Reply #1302 on: November 10, 2015, 03:28:01 PM »
1 card with $2 ($3 for discover) reporting at one time.
So say I have 5 cards that close on the 7th and 5 on the 23rd.

I would have 1 card in each group report a $2 balance (3 for discover) when closing and the other 4 $0, and do this twice a month?

Offline ChaimMoskowitz

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Re: credit score
« Reply #1303 on: November 10, 2015, 03:34:42 PM »
Just pick 7th or the 23rd to use. I pick the 7th so one card I will have report with $2. I will pay that off and for the second month have another card from the 7th group report. You can then either alternate between the cards or rotate in that group. You can then just switch to the other group with some overlap (2 cards reporting) for 1 month. I think I have this right.  :)
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Offline Zalc

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Re: credit score
« Reply #1304 on: November 10, 2015, 05:50:09 PM »
I will pay that off and for the second month have another card from the 7th group report. You can then either alternate between the cards or rotate in that group.
It's better to change up which card carries the balance?

Offline benjie1305

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Re: credit score
« Reply #1305 on: November 10, 2015, 05:56:56 PM »
It's better to change up which card carries the balance?

Should not.
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Online etech0

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Re: credit score
« Reply #1306 on: November 10, 2015, 08:56:42 PM »
Workflowy. You won't know what you're missing until you try it.

Offline PillanSmye

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Re: credit score
« Reply #1307 on: November 10, 2015, 10:50:05 PM »
You want a SINGLE card to be reporting a $2 balance on your credit reports at all times.  Doesn't matter if it is the same card every month.

You do NOT want to use a Chase card, because when you PIF Chase they will force a mid-cycle update to the CRA's (one of Chase's most awesome features IMO, just doesn't help for the FICO geeking method).

You do NOT want to use a Disco card and leave $3, because then you are giving up the $24 Disco pays you every year to have their card.  Always leave $2 on your Disco card before the statement cuts, so Disco will write it off and report a $0 balance.

Offline Zalc

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Re: credit score
« Reply #1308 on: November 10, 2015, 10:56:33 PM »


You want a SINGLE card to be reporting a $2 balance on your credit reports at all times.  Doesn't matter if it is the same card every month.

You do NOT want to use a Chase card, because when you PIF Chase they will force a mid-cycle update to the CRA's (one of Chase's most awesome features IMO, just doesn't help for the FICO geeking method).
"At all times" = one card within every 30 day period?

PIF = pay in full?
If so, will PIF on one chase card refresh other chase cards still carrying a balance?

Tia!


Offline Square

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Re: credit score
« Reply #1309 on: November 10, 2015, 11:03:53 PM »
FICO geeking method
Is this the $2 trick or something else?

Offline PillanSmye

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Re: credit score
« Reply #1310 on: November 10, 2015, 11:08:29 PM »
"At all times" = one card within every 30 day period?

PIF = pay in full?
If so, will PIF on one chase card refresh other chase cards still carrying a balance?

Tia!

At all times means at all times.  Your FICO scores don't go off months, or 30 days periods or anything else.  FICO scores are a snapshot of that exact moment in time.

What you do on one Chase card has nothing to do with how another Chase card reports.

Offline PillanSmye

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Re: credit score
« Reply #1311 on: November 10, 2015, 11:09:30 PM »
Is this the $2 trick or something else?
Yes, the $2 trick

Offline Zalc

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Re: credit score
« Reply #1312 on: November 11, 2015, 10:12:23 AM »


At all times means at all times.  Your FICO scores don't go off months, or 30 days periods or anything else.  FICO scores are a snapshot of that exact moment in time.
I think I get it!
At all times = At any time, because it will get updated at any time.

I'm assuming my FICO updates on soft pulls as well?




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Re: credit score
« Reply #1313 on: November 11, 2015, 10:56:25 AM »
Always leave $2 on your Disco card before the statement cuts, so Disco will write it off and report a $0 balance.
And Discover doesn't get annoyed if you do this consistently?
Workflowy. You won't know what you're missing until you try it.

Offline PillanSmye

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Re: credit score
« Reply #1314 on: November 11, 2015, 11:03:19 AM »
I think I get it!
At all times = At any time, because it will get updated at any time.

I'm assuming my FICO updates on soft pulls as well?
Of course.  Your CC issuers aren't hard pulling you to supply you a monthly FICO.

You dont have a FICO score attached to your reports.  A new score is generated whenever your report is pulled.  And that score is representative of that particular moment in time.

If you get your score at 12:30, and then an issuer reports a maxed out card at 12:31, your score will be different if pulled again at 12:32

Offline Zalc

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Re: credit score
« Reply #1315 on: November 11, 2015, 11:48:46 AM »

Offline rots5

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Re: credit score
« Reply #1316 on: November 11, 2015, 01:03:54 PM »
make sense that my score just took a 30 point hit from a car loan app?
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Offline Mendelssohn

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Re: credit score
« Reply #1317 on: November 11, 2015, 11:46:34 PM »
make sense that my score just took a 30 point hit from a car loan app?

Where did you get the score?

Offline David Smith

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Re: credit score
« Reply #1318 on: November 11, 2015, 11:52:23 PM »
10 point jump after 1 card reporting $3, however, score updated two days before four new accounts hit report, so that'll cause a hit.
« Last Edit: November 12, 2015, 12:02:06 AM 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.
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Offline CS91

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Re: credit score
« Reply #1319 on: November 12, 2015, 12:41:44 AM »
At all times means at all times.  Your FICO scores don't go off months, or 30 days periods or anything else.  FICO scores are a snapshot of that exact moment in time.

What you do on one Chase card has nothing to do with how another Chase card reports.
So basically, everyone that does this $2/$3 trick is sending in a payment each time they swipe their card? I thought people just pay off the whole balance a day or two before the statement closes...