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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 908362 times)

Offline ChaimMoskowitz

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Re: Information about Credit Scores
« Reply #240 on: July 27, 2014, 09:42:03 PM »
A lot of these details you are asking for aren't publicly available. Some of the answers I provide will be based on anecdotal evidence.
nice post. do you hang out at CB?
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Offline ChaimMoskowitz

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Re: Information about Credit Scores
« Reply #241 on: July 27, 2014, 09:44:25 PM »
300 is the lowest score. I doubt anyone actually has it. Probably more rare than an 850.

If you have less than 6 months of credit history, a score cannot be generated.
thanks for refreshing my memory. don't you also need a certain amount of TL's to generate a score? i miss my CB days.
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Offline Triple Canopy

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Re: Information about Credit Scores
« Reply #242 on: July 27, 2014, 09:46:57 PM »
thanks for refreshing my memory. don't you also need a certain amount of TL's to generate a score? i miss my CB days.

Just one tradeline that hasn't been disputed. I'm a lurker but I miss my days there too :)

Offline MC

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Re: Credit Score Drop?
« Reply #243 on: July 30, 2014, 10:11:01 AM »
I got emails from both Barclays and Capital One Credit Tracker that my score dropped. On one it went down 40 points and on the other it went down about 20... I know these are both FAKOs but does that probably mean my score dropped some-what?

Offline bubble347

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Re: Credit Score Drop?
« Reply #244 on: July 30, 2014, 10:13:57 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?
Even if it does you should have no problem disputing it with the credit bureaus.
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Offline bubble347

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Re: Credit Score Drop?
« Reply #245 on: July 30, 2014, 10:15:47 AM »
I got emails from both Barclays and Capital One Credit Tracker that my score dropped. On one it went down 40 points and on the other it went down about 20... I know these are both FAKOs but does that probably mean my score dropped some-what?
Well if the reason has anything to do with new inquiries or large balances on your cards then it is safe to assume that your scores have been effected somewhat.
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Offline zow

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Re: Information about Credit Scores
« Reply #246 on: July 31, 2014, 03:42:37 PM »
I have a Barclay's US Airways MasterCard, and I just checked my FICO score.  It says it is 840.  I'm just a little surprised it's so good.  I recently opened 5 new Chase credit card accounts, and we have a huge mortgage and a HELOC.  Yes, we always pay our CC's in full each month, but is it possible my FICO score is almost perfect? 

And, if it's that good, should I be leveraging it more?  (I.e., open more and more CC accounts?)

Thanks in advance.

Offline ChaimMoskowitz

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Re: Information about Credit Scores
« Reply #247 on: July 31, 2014, 03:52:10 PM »
how recently did you open the cards. does your score include this info?
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Offline zow

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Re: Information about Credit Scores
« Reply #248 on: July 31, 2014, 04:21:56 PM »
how recently did you open the cards. does your score include this info?

Opened the first cc around June 1.

I don't see any details on the Barclay's FICO site to determine whether the score includes the recent openings.

I do see that my score was about 810 in early May and then the 840 was early July.

Offline Boruch999

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Re: Information about Credit Scores
« Reply #249 on: July 31, 2014, 04:28:58 PM »
Barclays FICO is TU.  Perhaps the banks that issued your cards have not reported to TU yet?

Offline ChaimMoskowitz

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Re: Information about Credit Scores
« Reply #250 on: July 31, 2014, 04:31:02 PM »
the score lags behind so they might not be included. what is more interesting is your score went from 810 to 840 in a month. any big changes to your credit file?
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Offline Joe4007

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Re: Information about Credit Scores
« Reply #251 on: July 31, 2014, 04:35:07 PM »
the score lags behind so they might not be included. what is more interesting is your score went from 810 to 840 in a month. any big changes to your credit file?
The new accounts might have impacted it in a good way? After all Chase probably didn't pull his TU if he lives in MA, so the inquires won't be there.

Offline zow

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Re: Information about Credit Scores
« Reply #252 on: July 31, 2014, 04:40:24 PM »
the score lags behind so they might not be included. what is more interesting is your score went from 810 to 840 in a month. any big changes to your credit file?

Sorry, meant to quote this message above.

Hi,
No big changes, other than all the new Chase accounts, opened in June. And a fair amount of spending and paying off on those cards.  But no new loans, no loans paid off, nothing like that.  And the 810 to 840 was over 2 months, FWIW.

Offline ChaimMoskowitz

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Re: Information about Credit Scores
« Reply #253 on: July 31, 2014, 05:03:57 PM »
The new accounts might have impacted it in a good way?
not at the beginning.
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Offline MC

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Re: Information about Credit Scores
« Reply #254 on: July 31, 2014, 06:57:36 PM »
I'm a little confused about credit utilization. Let's say I have $75,000 total revolving credit. Some cards have larger lines, others have smaller.
If one particular card  happens to only have a $1,000 CL, I use $900 of it, and I forget to pay most of it off before my statement closes ... does that report negatively to my report (since I'm using 90%) or is it divided by the full $75,000, so it's not bad? (assuming, of course, none of my other cards close with a balance)

Offline bubble347

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Re: Information about Credit Scores
« Reply #255 on: July 31, 2014, 07:04:17 PM »
I'm a little confused about credit utilization. Let's say I have $75,000 total revolving credit. Some cards have larger lines, others have smaller.
If one particular card  happens to only have a $1,000 CL, I use $900 of it, and I forget to pay most of it off before my statement closes ... does that report negatively to my report (since I'm using 90%) or is it divided by the full $75,000, so it's not bad? (assuming, of course, none of my other cards close with a balance)
CMIIW they look at both AFAIK.
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Offline ChaimMoskowitz

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Re: Information about Credit Scores
« Reply #256 on: July 31, 2014, 07:13:30 PM »
CMIIW they look at both AFAIK.
correct
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Offline MC

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Re: Information about Credit Scores
« Reply #257 on: July 31, 2014, 07:25:48 PM »
I guess the drop in my score makes a little more sense now :(
How can I tell with Chase when my first statement will close? Amex online says it straight out for each account but I don't see that for Chase. Am I missing something?

Offline bubble347

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Re: Information about Credit Scores
« Reply #258 on: July 31, 2014, 07:30:03 PM »
I guess the drop in my score makes a little more sense now :(
How can I tell with Chase when my first statement will close? Amex online says it straight out for each account but I don't see that for Chase. Am I missing something?
PUTPAC
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Offline ChaimMoskowitz

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Re: Information about Credit Scores
« Reply #259 on: July 31, 2014, 07:31:37 PM »
see activity>account details

sometimes for the first statement this date changes and is not accurate.
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