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 843317 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 #1540 on: November 24, 2015, 10:58:53 PM »
You're in Brooklyn, can you give me some MS tips?
You said you were in LA...
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 PillanSmye

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Aug 2015
  • Posts: 1028
  • Total likes: 68
  • DansDeals.com Hat Tips 1
    • View Profile
Re: credit score
« Reply #1541 on: November 24, 2015, 11:15:13 PM »
You said you were in LA...
South of LA.  Just me$$ing with Cappy...  ;)

Offline Cappy

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Jan 2015
  • Posts: 716
  • Total likes: 39
  • DansDeals.com Hat Tips 3
    • View Profile
  • Location: NY
Re: credit score
« Reply #1542 on: November 24, 2015, 11:30:01 PM »
South of LA.  Just me$$ing with Cappy...  ;)

I'm pretty sure I know who you are :)

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 #1543 on: November 25, 2015, 12:16:23 AM »
I'm pretty sure I know who you are :)

No you don't. Lol


Offline Cappy

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Jan 2015
  • Posts: 716
  • Total likes: 39
  • DansDeals.com Hat Tips 3
    • View Profile
  • Location: NY
Re: credit score
« Reply #1544 on: November 25, 2015, 12:30:24 AM »
No you don't. Lol

I could be completely wrong, but I still think I do  :)

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 #1545 on: November 25, 2015, 09:57:56 AM »
Here's contact info for Honda financial
http://www.hondafinancialservices.com/contact-us


I mean contact info where to send letters - email addresses etc.

Is there no one on this forum that can recommend someone to get a late payment removed from credit report?

Offline PillanSmye

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Aug 2015
  • Posts: 1028
  • Total likes: 68
  • DansDeals.com Hat Tips 1
    • View Profile
Re: credit score
« Reply #1546 on: November 25, 2015, 10:10:52 AM »

I mean contact info where to send letters - email addresses etc.

Is there no one on this forum that can recommend someone to get a late payment removed from credit report?


Mendel already gave you advice.   You can wait 7 years, or write goodwill letters, or complain they didn't send you your bill.  Google their executive office contacts.  And stop missing payments.

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 #1547 on: November 25, 2015, 10:19:31 AM »


Mendel already gave you advice.   You can wait 7 years, or write goodwill letters, or complain they didn't send you your bill.  Google their executive office contacts.  And stop missing payments.

STOP MISSING PAYMENTS!!!! WTH IS THE MATTER WITH YOU. I was 8 days late on a payment bec i couldn't log in to the system!! You trying to be helpful or just a jerk.

I am asking if there is someone on this forum who does this for a living? Seriously what is wrong with some people

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 #1548 on: November 25, 2015, 11:11:37 AM »
STOP MISSING PAYMENTS!!!! WTH IS THE MATTER WITH YOU. I was 8 days late on a payment bec i couldn't log in to the system!! You trying to be helpful or just a jerk.

I am asking if there is someone on this forum who does this for a living? Seriously what is wrong with some people

I already explained what to do and why it isn't a good idea to pay someone to do it and also pointed you in the right direction for help.

You were 38 days late FYI, not 8.

This isn't a credit repair forum and the knowledge base does not exist here to really get the help you need.

Use the fact that you could not log in to the system to make your payment as the basis of getting the late removed when you contact the EO.

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 #1549 on: November 25, 2015, 11:42:34 AM »
I already explained what to do and why it isn't a good idea to pay someone to do it and also pointed you in the right direction for help.

You were 38 days late FYI, not 8.

This isn't a credit repair forum and the knowledge base does not exist here to really get the help you need.

Use the fact that you could not log in to the system to make your payment as the basis of getting the late removed when you contact the EO.
Thanks. Issue is I have a pretty demanding job and I don't have the right amount of time to devote this. Therefore if someone could point me towards a reliable company that does this for people I would be much indebted.

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 #1550 on: November 25, 2015, 11:53:00 AM »
Thanks. Issue is I have a pretty demanding job and I don't have the right amount of time to devote this. Therefore if someone could point me towards a reliable company that does this for people I would be much indebted.

Everyone says they are too busy.

There is no such thing as a reliable credit repair company.

If you want a fraud alert placed on your credit reports and to make it more difficult to get this removed in the future, by all means push ahead and look for a credit repair company.

Take the time to do it yourself, which is minimal, and do it yourself. I already told you what to say. All you have to do is find an EO contact and spend 5 minutes writing a letter.

You've already spent more time than that in this thread. Had you gone to CB and asked for help, your letter would already have been sent.

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 #1551 on: November 25, 2015, 12:05:38 PM »
Everyone says they are too busy.

There is no such thing as a reliable credit repair company.

If you want a fraud alert placed on your credit reports and to make it more difficult to get this removed in the future, by all means push ahead and look for a credit repair company.

Take the time to do it yourself, which is minimal, and do it yourself. I already told you what to say. All you have to do is find an EO contact and spend 5 minutes writing a letter.

You've already spent more time than that in this thread. Had you gone to CB and asked for help, your letter would already have been sent.

I did go to CB however one one has the name and address of the EOs of the Honda Financial
« Last Edit: November 25, 2015, 12:10:34 PM by reed »

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 #1552 on: November 25, 2015, 12:23:09 PM »
I did go to CB however one one has the name and address of the EOs of the Honda Financial

Could you post a link?

I don't see anything posted in the credit forum over there on this topic.

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 #1553 on: November 25, 2015, 12:38:40 PM »
Try this email first.

Code: [Select]
terri_gonzales@ahm.honda.com

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 #1554 on: November 25, 2015, 12:40:48 PM »
Could you post a link?

I don't see anything posted in the credit forum over there on this topic.

didn't post did hours of searching. People have asked this before no reply

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 #1555 on: November 25, 2015, 12:41:10 PM »
Try this email first.

Code: [Select]
terri_gonzales@ahm.honda.com

Thank you!

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 #1556 on: November 25, 2015, 12:42:42 PM »
didn't post did hours of searching. People have asked this before no reply

You can't expect an answer or help if you never ask.

You need to put in the effort yourself.

Offline PillanSmye

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Aug 2015
  • Posts: 1028
  • Total likes: 68
  • DansDeals.com Hat Tips 1
    • View Profile
Re: credit score
« Reply #1557 on: November 25, 2015, 12:53:42 PM »
You can't expect an answer or help if you never ask.

You need to put in the effort yourself.
Maybe you should write his letter also.  And make the phone calls.  While your at it, set up his auto pay from his checking account.

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 #1558 on: November 25, 2015, 12:58:12 PM »
Maybe you should write his letter also.  And make the phone calls.  While your at it, set up his auto pay from his checking account.

 ;D

I think this is where my help ends.  If he needs help, CB is the best resource for credit repair.

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 #1559 on: November 25, 2015, 12:59:11 PM »
Maybe you should write his letter also.  And make the phone calls.  While your at it, set up his auto pay from his checking account.

You mad bro? Whats the matter with you? Mr. Mendolson is helping me out as I have done and countless others have done for each other on this forum. What value did your last comment add to this forum exactly?