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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 810164 times)

Offline justaregularguy

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Re: credit score
« Reply #400 on: November 12, 2014, 08:12:30 PM »
Do you have large balances on any cards?
is 250$ alot? probably not..im not sure if my score went down bc of the applications or before for some other reason. is it possible they pulled 20 some odd points just for applying for a card?!
nothings impossible- the word itself says Im possible

Online Mordyk

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Re: credit score
« Reply #401 on: November 13, 2014, 12:22:41 PM »
is 250$ alot? probably not..im not sure if my score went down bc of the applications or before for some other reason. is it possible they pulled 20 some odd points just for applying for a card?!
$250 can be alot for a $500 cl.  it is calculated percentage-wise credit limit to credit used
#TYH

Offline freddy

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Re: credit score
« Reply #402 on: November 13, 2014, 08:00:42 PM »
How long does an inquiry affect your score? (Not how long it stays on your report for)
"Judge me by the enemies I make"

Offline ChaimMoskowitz

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Re: credit score
« Reply #403 on: November 13, 2014, 08:04:21 PM »
TU & EQ 24 months and 25 for EX.
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Offline freddy

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Re: credit score
« Reply #404 on: November 13, 2014, 08:13:56 PM »
TU & EQ 24 months and 25 for EX.
How long does an inquiry affect your score? (Not how long  it stays on you report for)
"Judge me by the enemies I make"

Offline ChaimMoskowitz

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Re: credit score
« Reply #405 on: November 13, 2014, 08:17:08 PM »

When an inquire drops off does your score go up?

Most say it affects your score for 12 mo's with the biggest impact for the first 6 mo's.
« Last Edit: November 13, 2014, 08:21:14 PM by ChaimMoskowitz »
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Offline TimT

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Re: credit score
« Reply #406 on: November 13, 2014, 08:22:46 PM »
How long does an inquiry affect your score? (Not how long it stays on your report for)
About 6 months

Offline ChaimMoskowitz

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Re: credit score
« Reply #407 on: November 13, 2014, 08:24:18 PM »
About 6 months
I will ask you the same question.
When an inquire drops off does your score go up?
I just found a new supply of forks!

Offline TimT

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Re: credit score
« Reply #408 on: November 13, 2014, 08:36:26 PM »
When an inquire drops off does your score go up?
Should go back up. & if he has a new CL should go higher.

Offline ChaimMoskowitz

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Re: credit score
« Reply #409 on: November 13, 2014, 08:40:23 PM »
Should go back up. & if he has a new CL should go higher.
So when the inquire drops off in two years your score will go up a couple of points? This would mean it affects your score until it drops off, no?
I just found a new supply of forks!

Offline TimT

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Re: credit score
« Reply #410 on: November 13, 2014, 08:49:38 PM »
So when the inquire drops off in two years your score will go up a couple of points? This would mean it affects your score until it drops off, no?
No. It stays on the report 2 years. The score goes down a few points for several months. If the rest of your profile is in good shape the score should already be higher as the utilization percentage goes down.

Offline cheskamint13

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Re: credit score
« Reply #411 on: November 13, 2014, 11:55:05 PM »
I've been seeking for the best credit companies and it is important to understand credit rating to avoid credit risk. Additionally,
the traditional FICO credit rating does not think about those with limited or no credit history. However, the brand new VantageScore 3.0 model, produced by the credit reporting agencies Experian, Equifax and TransUnion, factors in alternative kinds of data to allow millions credit who have been denied previously.

Offline thaber

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Re: credit score
« Reply #412 on: November 14, 2014, 12:14:37 AM »
I've been seeking for the best credit companies and it is important to understand credit rating to avoid credit risk. Additionally,
the traditional FICO credit rating does not think about those with limited or no credit history. However, the brand new VantageScore 3.0 model, produced by the credit reporting agencies Experian, Equifax and TransUnion, factors in alternative kinds of data to allow millions credit who have been denied previously.
Welcome.
The banks use FICO. Most people her are pretty familiar with how the game is played. See here: http://www.dansdeals.com/archives/53213

Offline ChaimMoskowitz

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Re: credit score
« Reply #413 on: November 14, 2014, 12:47:41 AM »
No. It stays on the report 2 years. The score goes down a few points for several months. If the rest of your profile is in good shape the score should already be higher as the utilization percentage goes down.
Let’s try this again. When your credit inquire drops off will you see any change in your score?
I just found a new supply of forks!

Offline dan5082030

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Re: credit score
« Reply #414 on: November 14, 2014, 09:46:56 AM »
Everyone knows that if you use more then 30% of your credit limit it hurts your credit.  I have the amex premier gold card with no pre spending limit my question is if I use it let's say for about 4k every month would it hurt my credit?  I have on other amex card just 2k spending limit

Offline @Yehuda

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Re: credit score
« Reply #415 on: November 15, 2014, 10:37:58 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?
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??
Absolutely.
Further update:
Chase just sent me a reject letter with an EX score of 724. I still have the delinquency on my CR and obviously TU and EX will have different scores, but I think the 724 might be an improvement from what it was a few weeks ago (when the TU was 696). Getting a new month on my bill with a good utilization ratio may have really helped bump my credit back up. That could also explain how I got approved for 2 CCs just now even with the delinquency still there. Just some thoughts.

Offline reed

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Re: credit score
« Reply #416 on: November 20, 2014, 02:55:45 PM »
So if anybody has some explanation to this I would appreciate it:

My EX score was low do to an account that went to collections. I called up collection who said they would remove it and sent me a letter in the mail stating that. It came off of my TU and EQ both scores are now in the 770s. However it never came off my EX score which stayed at about 700,703. This was annoying as I could not apply for chase which pulls from EX. Yesterday i applied and was approved for two barclays cards - the pull came from TU. YET MY EX score dropped further to 689 - is this not wrong?! Should it not go up due to higher credit utilization ratio or do new accounts make your score drop at first no matter what?

Offline noturbizniss

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Re: credit score
« Reply #417 on: November 20, 2014, 04:46:14 PM »
So if anybody has some explanation to this I would appreciate it:

My EX score was low do to an account that went to collections. I called up collection who said they would remove it and sent me a letter in the mail stating that. It came off of my TU and EQ both scores are now in the 770s. However it never came off my EX score which stayed at about 700,703. This was annoying as I could not apply for chase which pulls from EX. Yesterday i applied and was approved for two barclays cards - the pull came from TU. YET MY EX score dropped further to 689 - is this not wrong?! Should it not go up due to higher credit utilization ratio or do new accounts make your score drop at first no matter what?
That one. The new inquiries have a higher immediate negative impact, however long term the lower utilization  ratio has a positive impact.
http://www.dansdeals.com/archives/53213
Quote
-New credit: 10%
This takes into account credit inquiries and new accounts, which can lower your score temporarily. These fall off your report after about 2 years and most banks only look at the number inquiries you have within the past 6 months.
In the short term you may see your score drop when you apply for a card due to this category and the average age of your accounts, but in the long run having more cards will raise your score, as they improve your payment history (35%) and credit utilization (30%) and eventually the age of your account, which continue to grow older even after you cancel the card.
ETA: IGNORAMUS!!!!!  :P
READ THE DARN WIKI!!!!

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...can still do FT method
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Offline reed

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Re: credit score
« Reply #418 on: November 20, 2014, 08:14:13 PM »
That one. The new inquiries have a higher immediate negative impact, however long term the lower utilization  ratio has a positive impact.
http://www.dansdeals.com/archives/53213ETA: IGNORAMUS!!!!!  :P

http://en.m.wikipedia.org/wiki/ETA?

Offline kangarruu

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Re: credit score
« Reply #419 on: November 20, 2014, 08:31:16 PM »