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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 841214 times)

Offline TimT

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Re: credit score
« Reply #2520 on: March 05, 2016, 07:44:04 PM »
Quote from: Zalc on March 05, 2016, 07:25:25 PM
Also, is there a CB acronym master thread? Their usage is a bit overwhelming...
Here's one
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Offline yochiek93

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Re: credit score
« Reply #2521 on: March 05, 2016, 07:46:45 PM »
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Offline Cappy

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Re: credit score
« Reply #2522 on: March 05, 2016, 07:53:51 PM »
Quote from: Zalc on March 05, 2016, 07:25:25 PM
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...

https://creditboards.com/forums/index.php?showtopic=460996&page=1

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Offline Cappy

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Re: credit score
« Reply #2523 on: March 05, 2016, 08:00:18 PM »
Here's an updated Travel, Points, M$ acronym list from CB

https://creditboards.com/forums/index.php?showtopic=552931&hl=
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Offline Cappy

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Re: credit score
« Reply #2524 on: March 05, 2016, 08:33:20 PM »
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Offline Zalc

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Re: credit score
« Reply #2525 on: March 05, 2016, 08:40:44 PM »
Quote from: Cappy on March 05, 2016, 07:53:51 PM
https://creditboards.com/forums/index.php?showtopic=460996&page=1
That is the thread i was referring to.
I didn't see where in that thread other banks which backdate are discussed... Just Amex AU which is now dead...
Quote from: TimT on March 05, 2016, 07:44:04 PM
Here's one

Quote from: Cappy on March 05, 2016, 08:00:18 PM
Here's an updated Travel, Points, M$ acronym list from CB

https://creditboards.com/forums/index.php?showtopic=552931&hl=
Thank you!
Eta: Cappy, how many posts do I need on CB to see the acrynom thread you linked?
« Last Edit: March 05, 2016, 08:48:47 PM by Zalc »
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Offline nateinva

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Re: credit score
« Reply #2526 on: March 06, 2016, 12:24:35 AM »
Quote from: Zalc on March 05, 2016, 08:40:44 PM
That is the thread i was referring to.
I didn't see where in that thread other banks which backdate are discussed... Just Amex AU which is now dead...Thank you!
Eta: Cappy, how many posts do I need on CB to see the acrynom thread you linked?
Shoot an email to admin@creditboards.com.  They can get you straight.
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Offline PillanSmye

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Re: credit score
« Reply #2527 on: March 06, 2016, 05:25:40 AM »
Quote from: Zalc on March 05, 2016, 08:40:44 PM
That is the thread i was referring to.
I didn't see where in that thread other banks which backdate are discussed... Just Amex AU which is now dead...Thank you!
Eta: Cappy, how many posts do I need on CB to see the acrynom thread you linked?

CB unfortunately has made the advance topics forum viewable only after signing.

Just make a user account.   There's no min post count or anything
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Offline Zalc

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Re: credit score
« Reply #2528 on: March 06, 2016, 03:03:32 PM »
Quote from: nateinva on March 06, 2016, 12:24:35 AM
Shoot an email to admin@creditboards.com.  They can get you straight.
Done and accesed

Thanks! And welcome!
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Offline nateinva

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Re: credit score
« Reply #2529 on: March 06, 2016, 03:25:28 PM »
Hey, thanks!

There is a very low threshold as far as post count goes to be an unrestricted member.  The Advanced sub-forum over there is fairly new, out of sheer request from the members....still evolving.

Either way, it's a great companion resource so I'd encourage peeps to make an account.   :D
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Offline curry30

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Re: credit score
« Reply #2530 on: March 07, 2016, 09:22:20 PM »
Hi everyone!

If I apply for a chase credit card and ask for an increase in credit for another chase credit card that I already have on the same day, is that one pull? Or is it two?

Thanks for your help!
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Offline PETERP

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Re: credit score
« Reply #2531 on: March 07, 2016, 09:33:35 PM »
Quote from: curry30 on March 07, 2016, 09:22:20 PM
Hi everyone!

If I apply for a chase credit card and ask for an increase in credit for another chase credit card that I already have on the same day, is that one pull? Or is it two?

Thanks for your help!

Don't know if it's another pull , but a dangerous request .

How do you know how Much CL you will get on new card . If enough ask to move
some to older card  Instead of CLI .
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Offline ari2955

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Re: credit score
« Reply #2532 on: March 07, 2016, 09:35:06 PM »
Quote from: curry30 on March 07, 2016, 09:22:20 PM
Hi everyone!

If I apply for a chase credit card and ask for an increase in credit for another chase credit card that I already have on the same day, is that one pull? Or is it two?

Thanks for your help!

1 pull if both are personal, or both are business.
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Offline curry30

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Re: credit score
« Reply #2533 on: March 07, 2016, 09:47:49 PM »
Quote from: PETERP on March 07, 2016, 09:33:35 PM
Don't know if it's another pull , but a dangerous request .

How do you know how Much CL you will get on new card . If enough ask to move
some to older card  Instead of CLI .

I would first apply for the credit card. Once I get a decision (hopefully approved automatically), then I would hope to increase the credit of another card on the same day.
Quote from: ari2955 on March 07, 2016, 09:35:06 PM
1 pull if both are personal, or both are business.

Great! I hope so. Did you end up trying this?
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Offline ari2955

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Re: credit score
« Reply #2534 on: March 07, 2016, 10:23:14 PM »
Quote from: curry30 on March 07, 2016, 09:47:49 PM
Great! I hope so. Did you end up trying this?

I have not done this, but it's true, and I'm sure someone here can confirm.
« Last Edit: March 07, 2016, 10:41:30 PM by ari2955 »
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Offline Zalc

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Re: credit score
« Reply #2535 on: March 08, 2016, 12:47:10 AM »
I just found realized that the DOB being reported by EQ and TU is wildly inaccurate.

Interestingly enough, that never was an issue when opening Credit Cards, as I've opened many this past year.

I already submitted disputes via fax, EQ says they will take 24-48 Hrs, and TU says 5 days.

Can I apply for more credit while there is a ongoing dispute?
Will it hurt my chances of Auto-approval or approval at all?

Thanks!
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Offline curry30

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Re: credit score
« Reply #2536 on: March 08, 2016, 01:14:32 AM »
Quote from: ari2955 on March 07, 2016, 10:23:14 PM
I have not done this, but it's true, and I'm sure someone here can confirm.

Thanks for your help
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Offline Venilla

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Re: credit score
« Reply #2537 on: March 08, 2016, 09:15:37 AM »
Quote from: PETERP on March 07, 2016, 09:33:35 PM
Don't know if it's another pull, but a dangerous request.

How do you know how Much CL you will get on new card. If enough ask to move some to older card  Instead of CLI .
?
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I like vanilla but my name is Venilla.

Offline PETERP

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Re: credit score
« Reply #2538 on: March 08, 2016, 11:20:06 AM »
Quote from: Venilla on March 08, 2016, 09:15:37 AM
?

 Maybe dangerous was too strong . I meant you might be thought to aggressively be seeking more credit .
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Offline Venilla

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Re: credit score
« Reply #2539 on: March 08, 2016, 11:56:16 AM »
Quote from: PETERP on March 08, 2016, 11:20:06 AM
Maybe dangerous was too strong . I meant you might be thought to aggressively be seeking more credit .
Why would it look different than asking for credit on a new card?
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