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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 810810 times)

Offline RefuaFan

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Re: credit score
« Reply #1420 on: November 18, 2015, 02:54:52 PM »
I want to help my brother raise his credit score. He's almost 23 and has 1 credit/debit card from his bank (not sure, might be just debit?).

1. Adding him as an AU with his social on one or more cards will still start helping his credit, or did that change?

1b. Is there a hard pull for him when I add him to cards as an AU?

2. Will adding him as an AU effect my score at all?

Separate question: Since business cards only impact your score with the balance that's left past 1 month of posting, do you need to have a balance of 0 the next month? Say I had a balance of $600 in May, and pay it fully during June, but build a balance of $400 in June. When June posts, that $400 balance is looked at separately from May's $600, or do they just see it like you've still got a balance the next month?

Thanks!

Offline David Smith

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Re: credit score
« Reply #1421 on: November 18, 2015, 02:58:40 PM »
Yes, no, no, 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 RefuaFan

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Re: credit score
« Reply #1422 on: November 18, 2015, 03:14:48 PM »
Yes, no, no, no.

I assume the Business card "no" = months are totally separate? Thanks!

Offline yochiek93

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Re: credit score
« Reply #1423 on: November 18, 2015, 03:19:49 PM »
I assume the Business card "no" = months are totally separate? Thanks!
Yup

Offline yochiek93

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Re: credit score
« Reply #1424 on: November 18, 2015, 03:19:57 PM »
I assume the Business card "no" = months are totally separate? Thanks!
Yup

Offline Mendelssohn

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Re: credit score
« Reply #1425 on: November 18, 2015, 03:23:23 PM »
So, if I'm not planning on applying for credit in the next few months, I shouldn't worry too much because it doesn't have a direct long term hit on my credit? Can there be collateral damage, such as another creditor slashing my CL?

Correct on long term impact.

It's always possible that creditors will take AA if you have a maxed out card, but as long as you pay it off by next month, it's unlikely.

Offline Mendelssohn

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Re: credit score
« Reply #1426 on: November 18, 2015, 03:58:41 PM »
I want to help my brother raise his credit score. He's almost 23 and has 1 credit/debit card from his bank (not sure, might be just debit?).

1. Adding him as an AU with his social on one or more cards will still start helping his credit, or did that change?

1b. Is there a hard pull for him when I add him to cards as an AU?

2. Will adding him as an AU effect my score at all?

Separate question: Since business cards only impact your score with the balance that's left past 1 month of posting, do you need to have a balance of 0 the next month? Say I had a balance of $600 in May, and pay it fully during June, but build a balance of $400 in June. When June posts, that $400 balance is looked at separately from May's $600, or do they just see it like you've still got a balance the next month?

Thanks!

Just because a creditor doesn't ask for a SSN doesn't mean that it won't report.

Some people have trouble getting non spousal AUs to report, especially on EQ.

If you have a couple of older cards (non Amex) that always report a $0 balance, add him to those.

He can always try the pre approval tool with Amex, Chase, Citi, BOA, US Bank, Discover and Cap1.

Cap1 and Discover will usually approve with no open accounts reporting.  Amex and Chase have been know to approve (instant only) with only AUs reporting.

Offline avrumy22

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Re: credit score
« Reply #1427 on: November 18, 2015, 05:11:04 PM »
Not sure what went wrong but I had my wife as an AU for over 6 months and then got denied for having too many cards opened within 2 years. So basically opening AU's killed it for her.
(had 3 in her name).




Offline TimT

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Re: credit score
« Reply #1428 on: November 18, 2015, 05:12:01 PM »
Not sure what went wrong but I had my wife as an AU for over 6 months and then got denied for having too many cards opened within 2 years. So basically opening AU's killed it for her.
(had 3 in her name).
Chase ?

Offline Mendelssohn

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Re: credit score
« Reply #1429 on: November 18, 2015, 05:16:55 PM »
Not sure what went wrong but I had my wife as an AU for over 6 months and then got denied for having too many cards opened within 2 years. So basically opening AU's killed it for her.
(had 3 in her name).

Yep, Chase includes AU accounts in their tally.

Offline David Smith

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Re: credit score
« Reply #1430 on: November 18, 2015, 05:54:04 PM »
Not sure what went wrong but I had my wife as an AU for over 6 months and then got denied for having too many cards opened within 2 years. So basically opening AU's killed it for her.
(had 3 in her name).
Remove from report, ask Chase recon to recheck, and then dispute double pull with EX.
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 LS90

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Re: credit score
« Reply #1431 on: November 18, 2015, 06:17:57 PM »
Remove from report, ask Chase recon to recheck, and then dispute double pull with EX.

Is there any downside to removing an AU and deleting the account from the report besides loss of credit line?

Offline yochiek93

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Re: credit score
« Reply #1432 on: November 18, 2015, 06:19:57 PM »
Is there any downside to removing an AU and deleting the account from the report besides loss of credit line?
Credit history

Offline Mendelssohn

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Re: credit score
« Reply #1433 on: November 18, 2015, 06:27:00 PM »
If your credit scores are being propped up by AUs your scores could go down.

Offline WAM

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Re: credit score
« Reply #1434 on: November 18, 2015, 06:37:38 PM »
If your credit scores are being propped up by AUs your scores could go down.
There's a ton for me to learn, I always thought that AU's don't affect the primary cardholder.

Offline cholent

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Re: credit score
« Reply #1435 on: November 18, 2015, 06:42:21 PM »
There's a ton for me to learn, I always thought that AU's don't affect the primary cardholder.
They don't. He meant if her score was being propped up by being an au on your card, her scores will go down... iiuc
Don't ask stupid questions and you won't get stupid answers

Offline Mendelssohn

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Re: credit score
« Reply #1436 on: November 18, 2015, 07:16:57 PM »
They don't. He meant if her score was being propped up by being an au on your card, her scores will go down... iiuc

Correct.

No impact on primary.

Offline WAM

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Re: credit score
« Reply #1437 on: November 18, 2015, 07:19:02 PM »
Correct.

No impact on primary.

They don't. He meant if her score was being propped up by being an au on your card, her scores will go down... iiuc
Thanks, that had my head spinning.

IOW, if the credit line (because she has enough other credit) and credit history (because her aaoa is old enough to combat that) on these cards weren't affecting her score, then her score won't go down, otherwise it will.
Did I get that right? Are there other factors?
« Last Edit: November 18, 2015, 07:24:18 PM by WAM »

Offline avrumy22

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Re: credit score
« Reply #1438 on: November 18, 2015, 07:49:48 PM »
Chase ?

Amex AU's. Applied for Chase freedom

Offline TimT

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Re: credit score
« Reply #1439 on: November 18, 2015, 07:55:58 PM »

The au's are on her CR. Chase considers that new accounts.