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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 829734 times)

Offline Mendelssohn

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Re: credit score
« Reply #2500 on: March 04, 2016, 01:24:28 AM »
Correct.
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Offline Cappy

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Re: credit score
« Reply #2501 on: March 04, 2016, 01:38:11 AM »
Quote from: Zalc on March 04, 2016, 01:07:31 AM
I'd appreciate reading one, but would be too apprehensive ask anything there...

I think we'll stick with this for now  :)
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Offline PillanSmye

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Re: credit score
« Reply #2502 on: March 04, 2016, 12:13:49 PM »
Quote from: curry30 on March 04, 2016, 01:20:40 AM

Interesting. So in other words, you would say your credit score mostly changes everytime one of your credit card, loan, etc. statement closes? There is nothing you can really do to expedite an increase to your score if you don't have a statement closing for a short while?
.. And that is why the $2 trick is done.   So that your score is optimized at all times if you desire. 

That also means your score is optimized when all your lenders do account  reviews periodically.  Those soft reviews can be the basis for auto CLI's,  requested CLI's,  product offers,  balance transfer offers,  spend bonus offers, etc etc

That also means your score is optimized when your car insurance,  homeowners insurance,  renters insurance policies are up for renewal.
« Last Edit: March 04, 2016, 12:18:53 PM by PillanSmye »
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Offline sam28

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Re: credit score
« Reply #2503 on: March 04, 2016, 12:26:11 PM »
what is the best  card to add  Au so his score should go up ?
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Offline rileywiles23

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Re: credit score
« Reply #2504 on: March 04, 2016, 03:02:01 PM »
Quote from: sam28 on March 04, 2016, 12:26:11 PM
what is the best  card to add  Au so his score should go up ?
Don't think there is a difference between cards. Any card helps.
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Offline Mendelssohn

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Re: credit score
« Reply #2505 on: March 04, 2016, 03:20:24 PM »
Quote from: sam28 on March 04, 2016, 12:26:11 PM
what is the best  card to add  Au so his score should go up ?

$0 reported utilization, perfect payment history and something that increases AAOA.

Do not use Amex.
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Offline Zalc

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Re: credit score
« Reply #2506 on: March 04, 2016, 04:07:11 PM »
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Offline Mendelssohn

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Re: credit score
« Reply #2507 on: March 04, 2016, 04:41:40 PM »
Quote from: Zalc on March 04, 2016, 04:07:11 PM
Why's that?

Because Amex AUs are reported as new accounts.

If I added you to one of my 1992 Amex cards today, it would report as being opened today, not 1992.
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Offline yochiek93

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Re: credit score
« Reply #2508 on: March 04, 2016, 04:44:02 PM »
Quote from: Mendelssohn on March 04, 2016, 04:41:40 PM
Because Amex AUs are reported as new accounts.

If I added you to one of my 1992 Amex cards today, it would report as being opened today, not 1992.
Which banks still backdate?
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Offline Mendelssohn

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Re: credit score
« Reply #2509 on: March 04, 2016, 04:52:55 PM »
Quote from: yochiek93 on March 04, 2016, 04:44:02 PM
Which banks still backdate?

Everyone except Amex reports the full history for AUs.
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Offline Venilla

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Re: credit score
« Reply #2510 on: March 04, 2016, 05:15:00 PM »
Quote from: Mendelssohn on March 04, 2016, 04:52:55 PM
Everyone except Amex reports the full history for AUs.
Isn't it better to be added as a joint account holder?
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Offline Mendelssohn

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Re: credit score
« Reply #2511 on: March 04, 2016, 05:34:59 PM »
Quote from: Venilla on March 04, 2016, 05:15:00 PM
Isn't it better to be added as a joint account holder?

Yes, but not every issuer does joint accounts.

There's a master thread on CB about that.
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Offline nateinva

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Re: credit score
« Reply #2512 on: March 04, 2016, 10:36:17 PM »
Good thread.... hi Mendel and Cappy.
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Offline Mendelssohn

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Re: credit score
« Reply #2513 on: March 05, 2016, 12:23:30 AM »
Quote from: nateinva on March 04, 2016, 10:36:17 PM
Good thread.... hi Mendel and Cappy.

Hey, welcome!
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Offline Emkay

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Re: credit score
« Reply #2514 on: March 05, 2016, 01:08:12 PM »
Quote from: nateinva on March 04, 2016, 10:36:17 PM
Good thread.... hi Mendel and Cappy.
Welcome!
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Offline nateinva

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Re: credit score
« Reply #2515 on: March 05, 2016, 03:20:33 PM »
Thanks!  I'm very active on CB and have followed DDF for a while....great forum!  :D
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Online TimT

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Re: credit score
« Reply #2516 on: March 05, 2016, 07:17:56 PM »
Quote from: nateinva on March 05, 2016, 03:20:33 PM
Thanks!  I'm very active on CB and have followed DDF for a while....great forum!  :D
Welcome aboard. Great forum indeed
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Offline Cappy

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Re: credit score
« Reply #2517 on: March 05, 2016, 07:20:49 PM »
Hey Nate  ;)

Glad you could join us here
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Offline Zalc

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Re: credit score
« Reply #2518 on: March 05, 2016, 07:25:25 PM »


Quote from: Mendelssohn on March 04, 2016, 05:34:59 PM
There's a master thread on CB about that.
Can you please link it here?
I spent a good 10 minutes trying to find it, with no luck. All I got was the thread staying "amex D* is dead".

Also, is there a CB acronym master thread? Their usage is a bit overwhelming...

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Offline yochiek93

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Re: credit score
« Reply #2519 on: March 05, 2016, 07:34:04 PM »
Quote from: nateinva on March 04, 2016, 10:36:17 PM
Good thread.... hi Mendel and Cappy.
Welcome
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