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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 809825 times)

Offline yitrap

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Re: credit score
« Reply #3720 on: August 29, 2017, 02:07:54 AM »
What is the quickest/best way to raise my wife’s credit score
Yes.

Or if you actually want help, you'll need to provide more info.

Offline ludmila

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Re: credit score
« Reply #3721 on: August 29, 2017, 09:50:17 PM »
FYI , chase has been shutting a lot of new accounts if they seem risky, so you might want to tread carefully.
Chase lowered credit lines on 2 of my 7 cards with them from $20k to $10k without notice , called and was told my credit line was too high----although i was never ever late on payments and always pay balance in full, and held Chase credit cards for many years, switching most my spend to Amex .
I was the Best,still the Best, and will always be the Best.
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Offline mord1

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Re: credit score
« Reply #3722 on: August 31, 2017, 12:00:50 PM »
I have a friend who has some cc debt. If he compromises with chase or Amex and gets them to Mochel, some of it, will that destroy his score?

Offline BP16

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Re: credit score
« Reply #3723 on: August 31, 2017, 12:02:06 PM »
I have a friend who has some cc debt. If he compromises with chase or Amex and gets them to Mochel, some of it, will that destroy his score?
Not destroy but definitely not a good thing to have that on your record

Offline mord1

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Re: credit score
« Reply #3724 on: August 31, 2017, 12:15:50 PM »
Not destroy but definitely not a good thing to have that on your record
ok, is there a Nafka minah of how much they are Mochel?

Offline Yitzshpitz

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Re: credit score
« Reply #3725 on: September 01, 2017, 09:52:05 AM »
Anyone have a way to get free credit monitoring from experian(not a trial)ex.from a hacked entity...(like after staples or target)

Bump

Offline Square

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Re: credit score
« Reply #3726 on: September 01, 2017, 10:05:35 AM »
Bump
experian.com gives free credit report every 30 days plus daily monitoring, freecreditscore.com which is an experian site also includes a fico score.

Offline davidrotts63

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Re: credit score
« Reply #3727 on: September 01, 2017, 02:51:00 PM »
Chase lowered credit lines on 2 of my 7 cards with them from $20k to $10k without notice , called and was told my credit line was too high----although i was never ever late on payments and always pay balance in full, and held Chase credit cards for many years, switching most my spend to Amex .
They are doing "credit Reviews" all to often now be glad you didn't get a complete AA like many have been getting
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline ludmila

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Re: credit score
« Reply #3728 on: September 02, 2017, 09:09:41 PM »
They are doing "credit Reviews" all to often now be glad you didn't get a complete AA like many have been getting
What is AA?  :)
I was the Best,still the Best, and will always be the Best.
Pele Good,Maradona Better, George Best.

Offline noturbizniss

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READ THE DARN WIKI!!!!

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Offline ChaimMoskowitz

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I just found a new supply of forks!

Offline Hamavin

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Re: credit score
« Reply #3731 on: September 03, 2017, 12:05:27 AM »
Just applied for amex and was declined. One of the reasons givin was they see on credit report it says that "Spends low just toe earn miles or bonuses" anyone ever hear of that?

Offline JACKBLUE

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Re: credit score
« Reply #3732 on: September 03, 2017, 12:10:54 AM »
Just applied for amex and was declined. One of the reasons givin was they see on credit report it says that "Spends low just toe earn miles or bonuses" anyone ever hear of that?
you're joking? Right?

Offline Hamavin

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Re: credit score
« Reply #3733 on: September 03, 2017, 12:13:44 AM »
No..I probably didnt qoute the exact wording but something along those lines....How do I check this out myself?

Offline JACKBLUE

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Re: credit score
« Reply #3734 on: September 03, 2017, 12:16:02 AM »
No..I probably didnt qoute the exact wording but something along those lines....How do I check this out myself?
What was the exact reason?

Offline Hamavin

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Re: credit score
« Reply #3735 on: September 03, 2017, 12:27:40 AM »
There were like 5 reasons to many inquries etc. and one of them was low spend for points or something

Offline JACKBLUE

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Re: credit score
« Reply #3736 on: September 03, 2017, 12:31:09 AM »
There were like 5 reasons to many inquries etc. and one of them was low spend for points or something
interesting. This is something new....

Offline Hamavin

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Re: credit score
« Reply #3737 on: September 03, 2017, 12:32:48 AM »
Waiting for the letter for amex. Does it usually say the reasons on the letter?

Offline noturbizniss

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Re: credit score
« Reply #3738 on: September 03, 2017, 01:18:09 AM »
interesting. This is something new....
I call bs. That sure as isn't on credit reports.
There were like 5 reasons to many inquries etc. and one of them was low spend for points or something
READ THE DARN WIKI!!!!

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Offline bsimchatomid

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Re: credit score
« Reply #3739 on: September 03, 2017, 09:58:59 AM »
Experian.com free account now includes free FICO score