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 »

« previous next »
Pages: 1 ... 70 71 72 73 74 75 [76] 77 78 79 80 81 82 ... 226   Go Down

Author Topic: credit score  (Read 841798 times)

Offline David Smith

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Jun 2015
  • Posts: 8134
  • Total likes: 212
  • DansDeals.com Hat Tips 13
    • View Profile
Re: credit score
« Reply #1500 on: November 24, 2015, 10:35:10 AM »
Quote from: yochiek93 on November 24, 2015, 10:24:25 AM
Yep always good to be sure
I added two for the heck of it, although I'm sure there are plenty of members here with data points.
Logged
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 David Smith

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Jun 2015
  • Posts: 8134
  • Total likes: 212
  • DansDeals.com Hat Tips 13
    • View Profile
Re: credit score
« Reply #1501 on: November 24, 2015, 10:36:11 AM »
Logged
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 yochiek93

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Apr 2015
  • Posts: 4482
  • Total likes: 92
  • DansDeals.com Hat Tips 3
  • Gender: Male
    • View Profile
Re: credit score
« Reply #1502 on: November 24, 2015, 10:36:32 AM »
Logged

Offline Mendelssohn

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Sep 2015
  • Posts: 672
  • Total likes: 11
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: North Texas
Re: credit score
« Reply #1503 on: November 24, 2015, 03:01:09 PM »
Quote from: PillanSmye on November 24, 2015, 10:17:25 AM
Hmmm.  If you add yourself as an AU on your own AMEX, does your open date report the same as the original card?

Not likely since all AUs report as new.
Logged

Offline reed

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Nov 2013
  • Posts: 547
  • Total likes: 65
  • DansDeals.com Hat Tips 1
    • View Profile
Re: credit score
« Reply #1504 on: November 24, 2015, 04:27:20 PM »
I have a American Honda late warning on credit report for paying it 38 days late so 8 days past the 30 days.
Anyone have any luck getting it removed? Or in addition can you point me towards someone trust worthy who gets these things removed?
Thanks
Logged

Offline Mendelssohn

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Sep 2015
  • Posts: 672
  • Total likes: 11
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: North Texas
Re: credit score
« Reply #1505 on: November 24, 2015, 04:33:29 PM »
Quote from: reed on November 24, 2015, 04:27:20 PM
I have a American Honda late warning on credit report for paying it 38 days late so 8 days past the 30 days.
Anyone have any luck getting it removed? Or in addition can you point me towards someone trust worthy who gets these things removed?
Thanks

You will probably have to ask for a good will removal. It's unlikely that you will be able to dispute an open account with a recent late payment. They will have the records for verification.

Did you receive the bill that month?

Credit Boards may be of more help here.
Logged

Offline reed

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Nov 2013
  • Posts: 547
  • Total likes: 65
  • DansDeals.com Hat Tips 1
    • View Profile
Re: credit score
« Reply #1506 on: November 24, 2015, 04:36:21 PM »
You have any contact info for Honda financial. Is there anyone on this board who does this kind of stuff (with compensation) of course!
Logged

Offline Mendelssohn

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Sep 2015
  • Posts: 672
  • Total likes: 11
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: North Texas
Re: credit score
« Reply #1507 on: November 24, 2015, 04:43:00 PM »
Quote from: reed on November 24, 2015, 04:36:21 PM
You have any contact info for Honda financial. Is there anyone on this board who does this kind of stuff (with compensation) of course!

You're better off doing it yourself.

Search CB for contacts. If you don't find one, start a thread there.
Logged

Offline Marko Rubio

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Nov 2015
  • Posts: 470
  • Total likes: 2
  • DansDeals.com Hat Tips 0
    • View Profile
Re: credit score
« Reply #1508 on: November 24, 2015, 04:56:37 PM »
I have read here that the only negative outcome of closing a card will be losing the cl and that will result of using a higher percent of utilization, so I just wonder if I do the $2 trick I guess that by closing a card it wont hurt my utilization so it wont have any impact on my credit score, do I have it right?
Logged
Do u have any different idea for a signature?

Offline Mendelssohn

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Sep 2015
  • Posts: 672
  • Total likes: 11
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: North Texas
Re: credit score
« Reply #1509 on: November 24, 2015, 04:57:19 PM »
I'll give you a hint. There is no magic letter to mail them.

Recent negatives are hard to dispute because the records are easily accessible in their system, especially on an open account. Good will is your only chance right now IMO and it usually takes a lot of attempts and persistance to hope for a removal.

Another hint. Did you receive your bill?

Even a credit repair company or experienced individual will have problems dealing with this.

If you really want to get the late removed, start a thread in the credit forum on CB.
Logged

Offline Mendelssohn

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Sep 2015
  • Posts: 672
  • Total likes: 11
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: North Texas
Re: credit score
« Reply #1510 on: November 24, 2015, 04:58:30 PM »
Quote from: Marko Rubio on November 24, 2015, 04:56:37 PM
I have read here that the only negative outcome of closing a card will be losing the cl and that will result of using a higher percent of utilization, so I just wonder if I do the $2 trick I guess that by closing a card it wont hurt my utilization so it wont have any impact on my credit score, do I have it right?

A closed card with a balance will hurt utilization.

The balance is counted but the credit limit is not.
Logged

Offline Marko Rubio

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Nov 2015
  • Posts: 470
  • Total likes: 2
  • DansDeals.com Hat Tips 0
    • View Profile
Re: credit score
« Reply #1511 on: November 24, 2015, 05:00:28 PM »
Quote from: Mendelssohn on November 24, 2015, 04:58:30 PM
A closed card with a balance will hurt utilization.

The balance is counted but the credit limit is not.
what do you mean to say a closed card with a balance?
Logged
Do u have any different idea for a signature?

Offline coralsnake

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: May 2008
  • Posts: 4608
  • Total likes: 162
  • DansDeals.com Hat Tips 9
    • View Profile
Re: credit score
« Reply #1512 on: November 24, 2015, 05:01:55 PM »
Quote from: Marko Rubio on November 24, 2015, 05:00:28 PM
what do you mean to say a closed card with a balance?
Closed card that has not been paid to $0 balance.
Logged
"Here at DansDeals we don’t do buses." -Dan

Offline Mendelssohn

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Sep 2015
  • Posts: 672
  • Total likes: 11
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: North Texas
Re: credit score
« Reply #1513 on: November 24, 2015, 05:03:03 PM »
Quote from: coralsnake on November 24, 2015, 05:01:55 PM
Closed card that has not been paid to $0 balance.

See what I posted above.
Logged

Offline Marko Rubio

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Nov 2015
  • Posts: 470
  • Total likes: 2
  • DansDeals.com Hat Tips 0
    • View Profile
Re: credit score
« Reply #1514 on: November 24, 2015, 05:03:55 PM »
Quote from: coralsnake on November 24, 2015, 05:01:55 PM
Closed card that has not been paid to $0 balance.
got it ok but if I pay it of to $0 before closing and I do the $2 trick I think closing will not have any affect on my credit score pls cmiiw
Logged
Do u have any different idea for a signature?

Offline Marko Rubio

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Nov 2015
  • Posts: 470
  • Total likes: 2
  • DansDeals.com Hat Tips 0
    • View Profile
Re: credit score
« Reply #1515 on: November 24, 2015, 05:08:01 PM »
Logged
Do u have any different idea for a signature?

Offline Mendelssohn

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Sep 2015
  • Posts: 672
  • Total likes: 11
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: North Texas
Re: credit score
« Reply #1516 on: November 24, 2015, 05:10:30 PM »
Correct.
Logged

Offline Mendelssohn

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Sep 2015
  • Posts: 672
  • Total likes: 11
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: North Texas
Re: credit score
« Reply #1517 on: November 24, 2015, 05:11:11 PM »
Quote from: Mendelssohn on November 24, 2015, 04:58:30 PM
A closed card with a balance will hurt utilization.

The balance is counted but the credit limit is not.

There. ^
Logged

Offline Marko Rubio

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Nov 2015
  • Posts: 470
  • Total likes: 2
  • DansDeals.com Hat Tips 0
    • View Profile
Re: credit score
« Reply #1518 on: November 24, 2015, 05:14:32 PM »
Quote from: Mendelssohn on November 24, 2015, 05:11:11 PM
There. ^
thanks, I just wonder why ppl are always scared of closing cards thinking it will hurt credit score
Logged
Do u have any different idea for a signature?

Offline CS91

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Feb 2015
  • Posts: 3457
  • Total likes: 45
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: NY
credit score
« Reply #1519 on: November 24, 2015, 05:42:37 PM »
Quote from: Marko Rubio on November 24, 2015, 05:14:32 PM
thanks, I just wonder why ppl are always scared of closing cards thinking it will hurt credit score
Common misconception. Dan has mentioned it a bunch of times in his DDMS posts.

ETA: It could hurt you though if it's one of your older accounts because of the average account length factor. But it'll still be on your report for 10 years after you close.
Logged
Pages: 1 ... 70 71 72 73 74 75 [76] 77 78 79 80 81 82 ... 226   Go Up
« previous next »