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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 809213 times)

Offline meme

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credit score
« Reply #2340 on: February 23, 2016, 03:59:03 PM »
Basically.
Are you implying that there still is some advantage to 2bm?

Offline benjie1305

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Re: credit score
« Reply #2341 on: February 23, 2016, 04:06:47 PM »

Are you implying that there still is some advantage to 2bm?

No.
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Offline GAM Z.

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Re: credit score
« Reply #2342 on: February 23, 2016, 05:20:45 PM »
Is there a reason to do a 2BM with different banks?

Offline benjie1305

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Re: credit score
« Reply #2343 on: February 23, 2016, 05:24:34 PM »
Is there a reason to do a 2BM with different banks?

That is/used to be called an AOR and there is no point other then maintenance to do that anymore.
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Offline newdealseeker

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Re: credit score
« Reply #2344 on: February 23, 2016, 07:02:00 PM »
If I dispute a charge, does it negatively impact my score?

Offline Barryg

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Re: credit score
« Reply #2345 on: February 23, 2016, 07:02:42 PM »
That is/used to be called an AOR and there is no point other then maintenance to do that anymore.
Also, the pulls will drop off 6m, 12m, 2 years, at the same time...

Offline Zalc

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Re: credit score
« Reply #2346 on: February 23, 2016, 10:02:08 PM »
That is/used to be called an AOR and there is no point other then maintenance to do that anymore.
What about the rational of making all the apps (from banks that use different CRA's) before any new accounts hit the report?

Offline Emkay

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Re: credit score
« Reply #2347 on: February 24, 2016, 05:32:19 AM »
If I dispute a charge, does it negatively impact my score?
No
Although noone can tell you what it does the creditors personal profile of you

Offline Emkay

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Re: credit score
« Reply #2348 on: February 24, 2016, 05:33:45 AM »
Are you implying that there still is some advantage to 2bm?
Occasionally

Offline meme

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Re: credit score
« Reply #2349 on: February 24, 2016, 08:58:23 AM »

Offline Emkay

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Re: credit score
« Reply #2350 on: February 24, 2016, 08:59:24 AM »
Why?
Not really in your case with chase

Offline Venilla

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Re: credit score
« Reply #2351 on: February 24, 2016, 11:11:46 AM »
What about the rational of making all the apps (from banks that use different CRA's) before any new accounts hit the report?
Doesn't have to be 2/3BM, as long as it's in the same day the new account won't be on the report.
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Offline PillanSmye

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Re: credit score
« Reply #2352 on: February 24, 2016, 12:25:48 PM »
Also, the pulls will drop off 6m, 12m, 2 years, at the same time...

This is still the most important thing with app sprees today.

All the pulls and new accounts hit your reports,  and then in six months,  FICO ages them where they have much less impact.   And then you start all over.

Offline CS91

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Re: credit score
« Reply #2353 on: February 24, 2016, 01:35:26 PM »
Is it just as easy to merge Chase Biz pulls as other pulls (i.e. Amex, Citi etc.)? Don't see why it would be any different, but just want to make sure.

Offline GAM Z.

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Re: credit score
« Reply #2354 on: February 24, 2016, 02:16:44 PM »
Doesn't have to be 2/3BM, as long as it's in the same day the new account won't be on the report.
So there is still a benefit to a AOR on the same day, and not just for maintenance? And does this only work with different CRA's?

Offline CS91

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Re: credit score
« Reply #2355 on: February 28, 2016, 04:47:54 PM »
My last statement on one of my Chase cards closed with $0 but since then I've spent a few thousand. Question is, if I pay part of the outstanding balance now, will Chase report the new balance to the CRAs or do they only report mid-cycle if I pay in full down to $0?

Offline Barryg

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Re: credit score
« Reply #2356 on: February 28, 2016, 04:52:11 PM »
My last statement on one of my Chase cards closed with $0 but since then I've spent a few thousand. Question is, if I pay part of the outstanding balance now, will Chase report the new balance to the CRAs or do they only report mid-cycle if I pay in full down to $0?
IMO they report day after cycle closes, and will only report mid-cycle if it's 0...

Offline CS91

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Re: credit score
« Reply #2357 on: February 28, 2016, 04:53:09 PM »
IMO they report day after cycle closes, and will only report mid-cycle if it's 0...
Ok, thanks.

Offline benjie1305

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Re: credit score
« Reply #2358 on: February 28, 2016, 05:22:14 PM »
Just got my denial letter from Experian due to a Chase card I did not get.

My score: 846
Wife's score: 823

I was quite positively surprised by it being that high.
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Offline D93

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Re: credit score
« Reply #2359 on: February 28, 2016, 05:27:46 PM »
Just got my denial letter from Experian due to a Chase card I did not get.

My score: 846
Wife's score: 823

I was quite positively surprised by it being that high.

Chase's scores range from 350 to 900. No?