Topic Wiki

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 810681 times)

Offline freddy

  • Dansdeals Platinum Elite
  • ****
  • Join Date: May 2014
  • Posts: 394
  • Total likes: 0
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
Re: Information about Credit Scores
« Reply #280 on: August 12, 2014, 02:09:50 PM »
I spent over %50 of my CL on 1 card last statement period on my Discover card this statement period I spent less and my Discover FICO CS is 704. Is this reflecting my current statement period (which they reported the same time they checked my credit) or the last one?
"Judge me by the enemies I make"

Offline Ephraimh

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Oct 2013
  • Posts: 1526
  • Total likes: 64
  • DansDeals.com Hat Tips 2
    • View Profile
  • Location: nyc
Re: credit score
« Reply #281 on: September 04, 2014, 10:18:17 AM »
Credit Karma now gives you access to your full credit report.

Offline Joe4007

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Feb 2013
  • Posts: 4077
  • Total likes: 154
  • DansDeals.com Hat Tips 11
    • View Profile
  • Location: NY
Re: credit score
« Reply #282 on: September 04, 2014, 10:51:40 AM »

Offline Ephraimh

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Oct 2013
  • Posts: 1526
  • Total likes: 64
  • DansDeals.com Hat Tips 2
    • View Profile
  • Location: nyc
Re: credit score
« Reply #283 on: September 04, 2014, 10:57:22 AM »

Offline davidch

  • Dansdeals Gold Elite
  • ***
  • Join Date: Apr 2013
  • Posts: 246
  • Total likes: 5
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: ny
Re: credit score
« Reply #284 on: September 27, 2014, 11:49:27 PM »
Hi a friend just told me that he made a payment two days late (first time) and wanted to know how it will effect his credit score?

Offline Centro

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: May 2012
  • Posts: 2935
  • Total likes: 8
  • DansDeals.com Hat Tips 33
  • Gender: Male
    • View Profile
Re: credit score
« Reply #285 on: September 28, 2014, 12:04:56 AM »
Hi a friend just told me that he made a payment two days late (first time) and wanted to know how it will effect his credit score?
It won't effect his credit, late payments aren't reported unless you're more then 30 days late,
If it's his first time he can even try to get his late payment fee refunded.

Offline davidch

  • Dansdeals Gold Elite
  • ***
  • Join Date: Apr 2013
  • Posts: 246
  • Total likes: 5
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: ny
Re: credit score
« Reply #286 on: September 28, 2014, 12:48:19 AM »
It won't effect his credit, late payments aren't reported unless you're more then 30 days late,
If it's his first time he can even try to get his late payment fee refunded.

Thanks a lot.
They responded with this


The late payment fee was billed to your account because
the minimum payment was not received by the due date. I
refunded this fee and you will see an adjustment on your
next statement.

We've also made arrangements on your account for two
months to make sure you aren?t charged interest on the fee
we refunded.

Offline @Yehuda

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Oct 2013
  • Posts: 9693
  • Total likes: 187
  • DansDeals.com Hat Tips 5
  • Gender: Male
    • View Profile
Re: credit score
« Reply #287 on: October 07, 2014, 10:49:34 PM »
I'm going to sleep now, so I can't have a conversation, but I was wondering if anyone has any ideas?
My TU was 764 in August as per my LH card, and now it's 696. In that time period, I've had a pull from my new landlord approving my rental application and let 1 or 2 cc bills close with a higher balance than normal (i.e. i left $1000-$2000 on a $9K CL card when I normally leave $200-300).
Any idea what happened? Best way to contact TU to find out?

Offline @Yehuda

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Oct 2013
  • Posts: 9693
  • Total likes: 187
  • DansDeals.com Hat Tips 5
  • Gender: Male
    • View Profile
Re: credit score
« Reply #288 on: October 19, 2014, 10:46:06 AM »
I'm going to sleep now, so I can't have a conversation, but I was wondering if anyone has any ideas?
My TU was 764 in August as per my LH card, and now it's 696. In that time period, I've had a pull from my new landlord approving my rental application and let 1 or 2 cc bills close with a higher balance than normal (i.e. i left $1000-$2000 on a $9K CL card when I normally leave $200-300).
Any idea what happened? Best way to contact TU to find out?
Update:
I just checked my TU report and there were no recent pulls (my landlord must have pulled a different bureau) but in addition to 2 balances that were high (again, $2-3K balances), I was 30 days late to a student loan payment.

Does anyone understand credit scores at all? Can 1 late payment and 2 high balances really drop a score 70 points in a month??

Offline EJB

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Sep 2012
  • Posts: 5409
  • Total likes: 254
  • DansDeals.com Hat Tips 15
    • View Profile
Re: credit score
« Reply #289 on: October 19, 2014, 10:52:54 AM »
I'm going to sleep now, so I can't have a conversation, but I was wondering if anyone has any ideas?
My TU was 764 in August as per my LH card, and now it's 696. In that time period, I've had a pull from my new landlord approving my rental application and let 1 or 2 cc bills close with a higher balance than normal (i.e. i left $1000-$2000 on a $9K CL card when I normally leave $200-300).
Any idea what happened? Best way to contact TU to find out?

It's possible to drop significantly bc of a late payment. But are you sure you're comparing apples to apples scores? There are different flavors of credit scores, even FICO

Offline dudi

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Nov 2013
  • Posts: 1621
  • Total likes: 5
  • DansDeals.com Hat Tips 10
    • View Profile
  • Programs: Star Alliance Gold, Skyteam Elite Plus
Re: credit score
« Reply #290 on: October 19, 2014, 11:00:06 AM »
It's possible to drop significantly bc of a late payment. But are you sure you're comparing apples to apples scores? There are different flavors of credit scores, even FICO
That is really true according to chase I have 680 and according to discover I don't even have a score yet

Offline Mordyk

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: May 2013
  • Posts: 4102
  • Total likes: 1015
  • DansDeals.com Hat Tips 3
  • Gender: Male
    • View Profile
  • Programs: Some of this and some of that.
Re: credit score
« Reply #291 on: October 19, 2014, 12:24:36 PM »
I have a had a 21 point drop for some reason. I pulled my freecreditreport already this year.  Where is the cheapest/best place to pay to get a one time full credit score and report?

TIA
#TYH

Offline @Yehuda

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Oct 2013
  • Posts: 9693
  • Total likes: 187
  • DansDeals.com Hat Tips 5
  • Gender: Male
    • View Profile
Re: credit score
« Reply #292 on: October 19, 2014, 01:00:55 PM »
It's possible to drop significantly bc of a late payment. But are you sure you're comparing apples to apples scores? There are different flavors of credit scores, even FICO
Barclays shows me the 2 scores over 2 months... :(

Offline AJK

  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • ********
  • Join Date: Jun 2011
  • Posts: 25419
  • Total likes: 721
  • DansDeals.com Hat Tips 15
  • Gender: Male
    • View Profile
  • Programs: United Concierge Key; Delta Global Services; American Chairman; US Airways 1K; Hilton Sapphire; Hyatt Tritium; Marriott Californium; Starwood Kryptonium; Hertz Plutonium; National Adamantium, Avis Executive Proactanium
Re: credit score
« Reply #293 on: October 19, 2014, 01:02:16 PM »
Does anyone understand credit scores at all? Can 1 late payment and 2 high balances really drop a score 70 points in a month??

Absolutely.
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

Offline EJB

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Sep 2012
  • Posts: 5409
  • Total likes: 254
  • DansDeals.com Hat Tips 15
    • View Profile
Re: credit score
« Reply #294 on: October 19, 2014, 01:03:13 PM »
I have a had a 21 point drop for some reason. I pulled my freecreditreport already this year.  Where is the cheapest/best place to pay to get a one time full credit score and report?

TIA

For report and FAKO score creditkarma

Offline Mordyk

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: May 2013
  • Posts: 4102
  • Total likes: 1015
  • DansDeals.com Hat Tips 3
  • Gender: Male
    • View Profile
  • Programs: Some of this and some of that.
Re: credit score
« Reply #295 on: October 19, 2014, 01:03:40 PM »
For report and FAKO score creditkarma
I need fico
#TYH

Offline EJB

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Sep 2012
  • Posts: 5409
  • Total likes: 254
  • DansDeals.com Hat Tips 15
    • View Profile
Re: credit score
« Reply #296 on: October 19, 2014, 01:06:17 PM »
I need fico

That's only relevant in regards to score, not the report. Multiple banks offer free FICOS if you have a cc through them (eg Barclays, Discover). You also often get FICOS as part of cc application, especially if you are denied.

Offline Mordyk

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: May 2013
  • Posts: 4102
  • Total likes: 1015
  • DansDeals.com Hat Tips 3
  • Gender: Male
    • View Profile
  • Programs: Some of this and some of that.
Re: credit score
« Reply #297 on: October 19, 2014, 01:06:54 PM »
That's only relevant in regards to score, not the report. Multiple banks offer free FICOS if you have a cc through them (eg Barclays, Discover). You also often get FICOS as part of cc application, especially if you are denied.
Credit karma doesnt have all pulls
#TYH

Offline dan5082030

  • Dansdeals Gold Elite
  • ***
  • Join Date: Oct 2014
  • Posts: 113
  • Total likes: 0
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
Re: credit score
« Reply #298 on: October 19, 2014, 05:32:31 PM »
what is the cheapest way to check my credit score?
I have a discover cc and I get my FICO score every month FREE

Offline dan5082030

  • Dansdeals Gold Elite
  • ***
  • Join Date: Oct 2014
  • Posts: 113
  • Total likes: 0
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
Re: credit score
« Reply #299 on: October 19, 2014, 05:35:14 PM »
I check usually my on Credit Karma as well but this month I decided that's it's more less FAKO it dropped over 70 points for no good reason and on the other hand my FICO score went with 20 points more this month so I think that it's more less not accurate