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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 809452 times)

Offline reed

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Re: credit score
« Reply #360 on: October 30, 2014, 11:59:09 AM »
my score went up from a 578 to 740 in 18 days!!!

Online Mordyk

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Re: credit score
« Reply #361 on: October 30, 2014, 12:01:06 PM »
my score went up from a 578 to 740 in 18 days!!!
how was that???

#TYH

Offline TimT

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Re: credit score
« Reply #362 on: October 30, 2014, 12:02:46 PM »
my score went up from a 578 to 740 in 18 days!!!
All fico ?

Offline reed

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Re: credit score
« Reply #363 on: October 30, 2014, 12:04:02 PM »
how was that???

Never paid attention too it much. Pulled my credit reports saw some collections that were paid in full for not alot of money, called up the agencies got them removed. Brought down balance on my credit card and BAM

Offline reed

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Re: credit score
« Reply #364 on: October 30, 2014, 12:04:25 PM »
All fico ?

Yes Equifax from Myfico

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Re: credit score
« Reply #365 on: October 30, 2014, 12:06:20 PM »
Time to sign up for some cards any recommendations?

Offline TimT

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Re: credit score
« Reply #366 on: October 30, 2014, 12:19:04 PM »
Time to sign up for some cards any recommendations?
That would depend on what you currently have, what points/miles you wanna accrue. 740 to high for you ?  :)

Offline reed

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Re: credit score
« Reply #367 on: October 30, 2014, 12:24:27 PM »
That would depend on what you currently have, what points/miles you wanna accrue. 740 to high for you ?  :)

your saying I shouldn't sign up at 740 - wait till it goes up higher?

Have SPG now, looking for mostly travel points miles - hotels/airfare

Offline TimT

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Re: credit score
« Reply #368 on: October 30, 2014, 12:44:21 PM »
your saying I shouldn't sign up at 740 - wait till it goes up higher?

Have SPG now, looking for mostly travel points miles - hotels/airfare
740 is okay, not the best. There's the business ink plus, chase BA is currently fee free 1st year, BRG from Amex. Etc.. There's lots to choose from.

Offline ShlockDoc

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Re: credit score
« Reply #369 on: October 30, 2014, 02:15:48 PM »
My wife has one stain on her credit report from 2010 but it's still hurting her. It's a payment to a store charge card that was 30 days late.  The card has since been closed and the report has a remark that says, "PURCHASED BY ANOTHER LENDER; TRANSFERRED TO ANOTHER OFFICE."  and no phone number listed.  Does anyone have any advice or experience on going about getting that removed or is she stuck with it until 2017?

Thanks!

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Re: credit score
« Reply #370 on: October 30, 2014, 02:34:00 PM »
Did you call the store and ask them to remove it? Google the name of the collector and someone on a credit forum has forsure dealt with them in the past

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Re: credit score
« Reply #371 on: October 30, 2014, 02:48:48 PM »
Did you call the store and ask them to remove it? Google the name of the collector and someone on a credit forum has forsure dealt with them in the past

The store is listed as

CITI CARDS RPL/CBNA
PO BOX 6497
SIOUX FALLS, SD 57117

Google returns that to a Home Depot card but my wife claims it was a J Jill card...

Offline Geshmak25

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Re: credit score
« Reply #372 on: October 30, 2014, 03:23:18 PM »
Do stores do a hard pull for their CCs? My wife keeps on telling me she can open up XX card and get $$ back. If it doesn't do a pull then why not? But if it pulls credit then I could get a different CC with 20X the award...
PUTPAC = PITA

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Re: credit score
« Reply #373 on: October 30, 2014, 03:24:56 PM »
Do stores do a hard pull for their CCs? My wife keeps on telling me she can open up XX card and get $$ back. If it doesn't do a pull then why not? But if it pulls credit then I could get a different CC with 20X the award...
i have this discussion with my wife every time a store offers a card ;)
#TYH

Offline reed

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Re: credit score
« Reply #374 on: October 30, 2014, 03:28:02 PM »
Do stores do a hard pull for their CCs? My wife keeps on telling me she can open up XX card and get $$ back. If it doesn't do a pull then why not? But if it pulls credit then I could get a different CC with 20X the award...

Pretty sure they do. Any way their dumb cards - even for spending at their respective stores.

Offline Geshmak25

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Re: credit score
« Reply #375 on: October 30, 2014, 03:28:10 PM »
i have this discussion with my wife every time a store offers a card ;)


It's seriously ridiculous. One time she opened a nordstrom card for a $20 voucher. Oy.
PUTPAC = PITA

Offline TimT

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Re: credit score
« Reply #376 on: October 30, 2014, 03:28:25 PM »
Do stores do a hard pull for their CCs? My wife keeps on telling me she can open up XX card and get $$ back. If it doesn't do a pull then why not? But if it pulls credit then I could get a different CC with 20X the award...
What's the most $$ back these store cc's offer ?

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Re: credit score
« Reply #377 on: October 30, 2014, 03:29:42 PM »
What's the most $$ back these store cc's offer ?

Banana gives you like an additonal 10% of your purchase when you sign up for your card - big freaking whoop

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Re: credit score
« Reply #378 on: October 30, 2014, 03:32:03 PM »
It's seriously ridiculous. One time she opened a nordstrom card for a $20 voucher. Oy.
;D ;D ;D

GAP tries to get my wife every time
« Last Edit: October 30, 2014, 04:05:19 PM by Mordyk »
#TYH

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Re: credit score
« Reply #379 on: October 30, 2014, 03:54:11 PM »
Do stores do a hard pull for their CCs? My wife keeps on telling me she can open up XX card and get $$ back. If it doesn't do a pull then why not? But if it pulls credit then I could get a different CC with 20X the award...
One time after you do a 3bm or MBM for her & get everything approved you could let her open one of those just to make her happy.