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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 »

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Author Topic: credit score  (Read 842229 times)

Offline Sport

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Re: credit score
« Reply #2120 on: January 11, 2016, 09:23:10 PM »
Quote from: PillanSmye on January 11, 2016, 09:20:34 PM
DCU is EQ FICO 04.  So the whole $2 trick is extremely important.  I mean, if have an 800, maybe not.  But FICO 04 is extremely sensitive to utilization/number of cards with balances.
Sorry, whats FICO 04 ?
I have a score of around 790, but definitely have cards that have sat unused for months.
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Offline CS91

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Re: credit score
« Reply #2121 on: January 14, 2016, 03:33:14 PM »
How long does it typically take TU to get back to you after you dispute AUs on a CR?
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Offline ya

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Re: credit score
« Reply #2122 on: January 14, 2016, 03:50:19 PM »
Quote from: CS91 on January 14, 2016, 03:33:14 PM
How long does it typically take TU to get back to you after you dispute AUs on a CR?
I found its best to call the bank itself
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Offline ya

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Re: credit score
« Reply #2123 on: January 14, 2016, 03:50:50 PM »
Quote from: Sport on January 11, 2016, 09:23:10 PM
Sorry, whats FICO 04 ?
I have a score of around 790, but definitely have cards that have sat unused for months.
Fico 04 is the scoring model used generally for mortgages. fico 08 is used for auto loans and cc
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Offline CS91

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Re: credit score
« Reply #2124 on: January 14, 2016, 04:04:58 PM »
Quote from: ya on January 14, 2016, 03:50:19 PM
I found its best to call the bank itself
Already submitted dispute. Good to know for the future.
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Offline ya

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Re: credit score
« Reply #2125 on: January 14, 2016, 04:30:07 PM »
Quote from: CS91 on January 14, 2016, 04:04:58 PM
Already submitted dispute. Good to know for the future.
Most banks can have it removed within 2-3 days. You can still call the bank.
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Offline CS91

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Re: credit score
« Reply #2126 on: January 14, 2016, 05:01:01 PM »
Quote from: ya on January 14, 2016, 04:30:07 PM
Most banks can have it removed within 2-3 days. You can still call the bank.
Why do you prefer to call the bank? Less time consuming or because going through CB doesn't always result in them being removed?
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Offline ya

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Re: credit score
« Reply #2127 on: January 14, 2016, 05:01:58 PM »
Quote from: CS91 on January 14, 2016, 05:01:01 PM
Why do you prefer to call the bank? Less time consuming or because going through CB doesn't always result in them being removed?
Both
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Offline ari2955

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Re: credit score
« Reply #2128 on: January 14, 2016, 07:20:41 PM »
Quote from: ya on January 14, 2016, 04:30:07 PM
Most banks can have it removed within 2-3 days. You can still call the bank.

Can I call bank to request they remove my closed account from CB?
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Offline Zalc

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Re: credit score
« Reply #2129 on: January 14, 2016, 08:04:28 PM »
Quote from: ari2955 on January 14, 2016, 07:20:41 PM
Can I call bank to request they remove my closed account from CB?
Why would you? If it was in good standing it only helps, no?
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Offline pixi

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Re: credit score
« Reply #2130 on: January 14, 2016, 08:14:41 PM »
Quote from: Zalc on January 14, 2016, 08:04:28 PM
Why would you? If it was in good standing it only helps, no?
A closed card isn't one of my favorites.
« Last Edit: January 14, 2016, 10:43:55 PM by pixi »
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Offline Zevwolf

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Re: credit score
« Reply #2131 on: January 14, 2016, 10:17:17 PM »
My FICO Equifax from my citi card dropped 86 points for maxing out one credit card.
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Offline pixi

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Re: credit score
« Reply #2132 on: January 14, 2016, 10:43:01 PM »
Quote from: Zevwolf on January 14, 2016, 10:17:17 PM
My FICO Equifax from my citi card dropped 86 points for maxing out one credit card.
That how it works.
Make sure next month to end with a low balance and your score will recover.
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Offline ya

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Re: credit score
« Reply #2133 on: January 15, 2016, 08:52:59 AM »
Quote from: pixi on January 14, 2016, 10:43:01 PM
That how it works.
Make sure next month to end with a low balance and your score will recover.

it may take a month our two fyi
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Offline pixi

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Re: credit score
« Reply #2134 on: January 15, 2016, 08:58:22 AM »
Quote from: ya on January 15, 2016, 08:52:59 AM
it may take a month our two fyi
Right.
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Offline Zalc

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Re: credit score
« Reply #2135 on: January 15, 2016, 02:25:20 PM »
How long does it take Citi to remove a AU amount from my CR?
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Offline Barryg

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Re: credit score
« Reply #2136 on: January 16, 2016, 10:36:52 PM »
Quote from: Zalc on January 15, 2016, 02:25:20 PM
How long does it take Citi to remove a AU amount from my CR?
In my experience, they remove right away and it gets reported to credit bureau when the statement closes.
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Offline noturbizniss

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Re: credit score
« Reply #2137 on: January 17, 2016, 10:15:10 PM »
How bad is the impact on credit score and on potential new cc or mortgage loans to have a card shut by the bank? Specifically where the bank closed a new checking account due to a large check with nsf and then decided to terminate the cc simple because it's a new account. Not sure what gets reported and how bad it is. I know the chexsystem will get hit, but I'm more concerned with credit report.
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Offline Mendelssohn

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Re: credit score
« Reply #2138 on: January 18, 2016, 09:11:19 AM »
Quote from: noturbizniss on January 17, 2016, 10:15:10 PM
How bad is the impact on credit score and on potential new cc or mortgage loans to have a card shut by the bank? Specifically where the bank closed a new checking account due to a large check with nsf and then decided to terminate the cc simple because it's a new account. Not sure what gets reported and how bad it is. I know the chexsystem will get hit, but I'm more concerned with credit report.

It will just show that the issuer closed the card. As long as the account was positive, it has no negative impact at all.

Remember that accounts get shut down all the time for inactivity, so there is no way for another creditor to draw a conclusion about a positive account with that notation.
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Offline Sport

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Re: credit score
« Reply #2139 on: January 18, 2016, 09:40:34 AM »
Quote from: ya on January 14, 2016, 03:50:50 PM
Fico 04 is the scoring model used generally for mortgages. fico 08 is used for auto loans and cc
So can I assume that the score I saw when I got my mortgage is in the same range as what I'll get with DCU ?
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