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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 903496 times)

Offline Novo

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Re: Credit Score Drop?
« Reply #200 on: June 16, 2014, 12:34:02 AM »
Start by calling the creditor and explaining the situation.  Ask them to remove the derogatory mark.
IMOH this is the way to go  http://forums.dansdeals.com/index.php?topic=31484.msg839889#msg839889
I try my best :-\
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Offline shoppy810

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Re: Credit Score Drop?
« Reply #201 on: June 16, 2014, 12:51:12 AM »
Start by calling the creditor and explaining the situation.  Ask them to remove the derogatory mark.
+1

Offline frozy

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Re: Credit Score Drop?
« Reply #202 on: June 16, 2014, 06:58:13 AM »
I have a problem. I'm a subscriber to fico alerts and was just notified that a collection of $500 was just applied to my score. Apparently, a bill had been sent to my parents house (I love elsewhere but still use their address), and I had never received it. I paid the collection right away. Will this be a major detriment to my otherwise decent report? Is there any way I can get this collection off of my report without waiting 10 years. I appreciate all the help guys!
Shouldn't have done that.  What you're supposed to do is call and ask for pay-for-deletion (PFD). Now that they got their money you don't have leverage.

You can try a dispute -even if you really owed the money there are all sorts of laws creditors and collection agencies must follow in the DC process.  If any were violated that can be grounds for a dispute and even cancelation of debt ime

Offline Sport

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Credit Score Drop?
« Reply #203 on: June 16, 2014, 08:23:11 AM »
On this subject; I got a ticket for going thru an Ezpass toll and apparently it didn't pick up my ezpass. I called the toll agency and showed them proof that I had an ezpass in the car at the time (I had charges on the ezpass from a toll right before and after this toll on the same day) they told me they were removing the charge. Last week (about a year after the above incident) I get a letter from a collection agency for $44 for the unpaid toll. I immediately call the Toll agency to asks them what this is about as I though I resolved the ticket a year ago. They informed me that I did resolve the surcharge but still needed to pay the $4 toll. They offered to take the payment then and stop sending it to the collection agency.
Will this happen?
Is this going to be a hit to me credit score?

Offline chamdena

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Re: Information about Credit Scores
« Reply #204 on: July 20, 2014, 10:27:12 PM »
General question: say I close a 20k CL account in order to bring my Credit to income ratio into check.  How long ought I wait before doing my next app? In other words, if I make a pull 5 minutes later, will the change be reflected in the report/score? Or do I need to wait for a certain time frame to elapse in order for that to reflect in my credit reports?

Offline sm8542

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Re: Information about Credit Scores
« Reply #205 on: July 21, 2014, 12:23:09 AM »
sob total where is the best place to check my score for free ?

Offline lunatic

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Re: Information about Credit Scores
« Reply #206 on: July 21, 2014, 08:05:53 AM »
sob total where is the best place to check my score for free ?
Discover prints it on the statement each month.

Offline AnonymousUser

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Re: Information about Credit Scores
« Reply #207 on: July 21, 2014, 09:25:16 AM »
Discover prints it on the statement each month.
But unfortunately for those of us in NJ, that's only TU.

Offline lunatic

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Re: Information about Credit Scores
« Reply #208 on: July 21, 2014, 09:42:15 AM »
But unfortunately for those of us in NJ, that's only TU.
Yet another reason not to live in NJ

Offline AnonymousUser

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Re: Information about Credit Scores
« Reply #209 on: July 21, 2014, 09:56:18 AM »
Yet another reason not to live in NJ
:D

Offline freddy

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Re: Information about Credit Scores
« Reply #210 on: July 21, 2014, 06:53:50 PM »
But unfortunately for those of us in NJ, that's only TU.
What's wrong with transunion that's the cr they all pull from in NJ
"Judge me by the enemies I make"

Offline AnonymousUser

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Re: Information about Credit Scores
« Reply #211 on: July 21, 2014, 06:55:12 PM »
What's wrong with transunion that's the cr they all pull from in NJ
Nope, Chase and Amex pull Experian in NJ.

Offline nobiggy

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Re: Information about Credit Scores
« Reply #212 on: July 27, 2014, 02:54:54 AM »
The credit scores experian gives me when I sign up for a a trial is reall FICO?
Also I got added to a cc with 90% of CL used and it's on my report will it be harder to get aprooved to cc now.

Offline Novo

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Re: Information about Credit Scores
« Reply #213 on: July 27, 2014, 03:31:17 AM »
The credit scores experian gives me when I sign up for a a trial is reall FICO?
Also I got added to a cc with 90% of CL used and it's on my report will it be harder to get aprooved to cc now.
It might be a problem, it'll for sure be good if you could remove it
I try my best :-\
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If you wanna go far, go together

Offline nobiggy

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Re: Information about Credit Scores
« Reply #214 on: July 27, 2014, 09:19:46 AM »
It might be a problem, it'll for sure be good if you could remove it

I removed it Friday. How long do I wait. I was an AU for 5 days.

Offline smaxber

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Re: Information about Credit Scores
« Reply #215 on: July 27, 2014, 09:22:18 AM »
I removed it Friday. How long do I wait. I was an AU for 5 days.
No one really knows. I would think wait for the cards statement to close and then a few days because then when it posts the closing balance it won't report to yours

Offline nobiggy

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Re: Information about Credit Scores
« Reply #216 on: July 27, 2014, 09:24:16 AM »
No one really knows. I would think wait for the cards statement to close and then a few days because then when it posts the closing balance it won't report to yours

Experian trial says my FICO is 734.  Is that correct?

Offline Super Speed

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Re: Information about Credit Scores
« Reply #217 on: July 27, 2014, 09:31:11 AM »

Experian trial says my FICO is 734.  Is that correct?
No you're score should be 736.5
#sarcastic

Offline ChaimMoskowitz

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Re: Information about Credit Scores
« Reply #218 on: July 27, 2014, 09:40:09 AM »
Experian trial says my FICO is 734.  Is that correct?
if the info on your CR is correct then yes.
I just found a new supply of forks!

Offline nobiggy

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Re: Information about Credit Scores
« Reply #219 on: July 27, 2014, 10:13:39 AM »
if the info on your CR is correct then yes.

whats a good number to have before i apply for 2 chase cc?