Topic Wiki

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 »

« previous next »
Pages: 1 ... 133 134 135 136 137 138 [139] 140 141 142 143 144 145 ... 226   Go Down

Author Topic: credit score  (Read 838419 times)

Offline rileywiles23

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2014
  • Posts: 5779
  • Total likes: 108
  • DansDeals.com Hat Tips 5
  • Gender: Male
    • View Profile
Re: credit score
« Reply #2760 on: April 06, 2016, 08:38:13 PM »
My bro. got declined for SP, due to 5/24 and only 3 of them were primary.
Logged
Life is as good as you make it...

Offline David Smith

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Jun 2015
  • Posts: 8134
  • Total likes: 212
  • DansDeals.com Hat Tips 13
    • View Profile
Re: credit score
« Reply #2761 on: April 06, 2016, 08:49:16 PM »
Quote from: rileywiles23 on April 06, 2016, 08:38:13 PM
My bro. got declined for SP, due to 5/24 and only 3 of them were primary.
PUPTAC, HUCA. As mentioned, the system doesn't differentiate.
Logged
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
JTZ

Offline rileywiles23

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2014
  • Posts: 5779
  • Total likes: 108
  • DansDeals.com Hat Tips 5
  • Gender: Male
    • View Profile
Re: credit score
« Reply #2762 on: April 06, 2016, 08:53:13 PM »
Quote from: David Smith on April 06, 2016, 08:49:16 PM
PUPTAC, HUCA. As mentioned, the system doesn't differentiate.
I did more them once. Each rep. said there is no recon. possible if the reason is 5/24.
Logged
Life is as good as you make it...

Online mochjas

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Oct 2015
  • Posts: 9704
  • Total likes: 1072
  • DansDeals.com Hat Tips 123
    • View Profile
  • Programs: Hyatt Globalist, Hilton Diamond, Marriott Titanium Elite, AA EX PLAT, Jetblue Mosaic, Qatar Gold, United Silver
Re: credit score
« Reply #2763 on: April 06, 2016, 10:57:58 PM »
Quote from: rileywiles23 on April 06, 2016, 08:53:13 PM
I did more them once. Each rep. said there is no recon. possible if the reason is 5/24.
try closing the au and disputing it from your report
Logged

Offline Zalc

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Nov 2014
  • Posts: 1804
  • Total likes: 158
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: USA
Re: credit score
« Reply #2764 on: April 06, 2016, 11:07:14 PM »

Quote from: Square on April 06, 2016, 10:28:23 PM
freecreditreport.com is free Experian credit report every 30 days.

Is this a new thing?
What useful info does it include?

I know there is no score, but if this gives the same info the credit karma gives, just for EX, it could be very useful...
Logged

Offline noturbizniss

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2012
  • Posts: 7118
  • Total likes: 140
  • DansDeals.com Hat Tips 4
  • Gender: Male
    • View Profile
  • Location: North Jersey
Re: credit score
« Reply #2765 on: April 07, 2016, 12:23:34 AM »
Quote from: Zalc on April 06, 2016, 11:07:14 PM
Is this a new thing?
What useful info does it include?

I know there is no score, but if this gives the same info the credit karma gives, just for EX, it could be very useful...
Experian $1 trial is churnable. Use citi virtual cc
Logged
READ THE DARN WIKI!!!!

Chuck Norris...
...can still do FT method
...READS THE WIKI!!!

Offline Mordyk

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: May 2013
  • Posts: 4137
  • Total likes: 1028
  • DansDeals.com Hat Tips 3
  • Gender: Male
    • View Profile
  • Programs: Some of this and some of that.
Re: credit score
« Reply #2766 on: April 07, 2016, 11:34:40 AM »
i see two pulls on my experian report. i recently changed from optimum to verizon and verizon pulled and direct tv pulled.  i dont use direct tv. is this a hard pull?
Logged
#TYH

Offline chinagel

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Mar 2014
  • Posts: 3941
  • Total likes: 402
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: brooklyn
Re: credit score
« Reply #2767 on: April 07, 2016, 11:36:59 AM »
Quote from: Mordyk on April 07, 2016, 11:34:40 AM
i see two pulls on my experian report. i recently changed from optimum to verizon and verizon pulled and direct tv pulled.  i dont use direct tv. is this a hard pull?
shouldnt be. where did u get ur cr from
Logged

Offline Mordyk

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: May 2013
  • Posts: 4137
  • Total likes: 1028
  • DansDeals.com Hat Tips 3
  • Gender: Male
    • View Profile
  • Programs: Some of this and some of that.
Re: credit score
« Reply #2768 on: April 07, 2016, 11:39:22 AM »
Quote from: chinagel on April 07, 2016, 11:36:59 AM
shouldnt be. where did u get ur cr from
creditcheck total
Logged
#TYH

Offline chinagel

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Mar 2014
  • Posts: 3941
  • Total likes: 402
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: brooklyn
Re: credit score
« Reply #2769 on: April 07, 2016, 11:46:24 AM »
Quote from: Mordyk on April 07, 2016, 11:39:22 AM
creditcheck total
dont know them. they dont show if its hard or soft?
Logged

Offline Mordyk

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: May 2013
  • Posts: 4137
  • Total likes: 1028
  • DansDeals.com Hat Tips 3
  • Gender: Male
    • View Profile
  • Programs: Some of this and some of that.
Re: credit score
« Reply #2770 on: April 07, 2016, 11:48:40 AM »
Quote from: chinagel on April 07, 2016, 11:46:24 AM
dont know them. they dont show if its hard or soft?
No
Logged
#TYH

Offline Zalc

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Nov 2014
  • Posts: 1804
  • Total likes: 158
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: USA
Re: credit score
« Reply #2771 on: April 07, 2016, 12:14:23 PM »
Quote from: Mordyk on April 07, 2016, 11:34:40 AM
i see two pulls on my experian report. i recently changed from optimum to verizon and verizon pulled and direct tv pulled.  i dont use direct tv. is this a hard pull?
Try seeing if credit.com shows them on the experian info they give you.

Or churn the $1 experian trial and get the actual report.
Logged

Offline Mordyk

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: May 2013
  • Posts: 4137
  • Total likes: 1028
  • DansDeals.com Hat Tips 3
  • Gender: Male
    • View Profile
  • Programs: Some of this and some of that.
Re: credit score
« Reply #2772 on: April 07, 2016, 12:57:40 PM »
Quote from: Zalc on April 07, 2016, 12:14:23 PM
Try seeing if credit.com shows them on the experian info they give you.

Or churn the $1 experian trial and get the actual report.
is credit.com accurate? because it is giving me a credit score about 60 points higher than amex and barclaycard
Logged
#TYH

Offline Zalc

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Nov 2014
  • Posts: 1804
  • Total likes: 158
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: USA
Re: credit score
« Reply #2773 on: April 07, 2016, 12:58:33 PM »
Quote from: Mordyk on April 07, 2016, 12:57:40 PM
is credit.com accurate? because it is giving me a credit score about 60 points higher than amex and barclaycard
Fake score, but real experian data about pulls and accounts IIRC.

Mine is 30 higher than what Amex gives as well
Logged

Offline Der Deutsche Jude

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Jan 2016
  • Posts: 941
  • Total likes: 46
  • DansDeals.com Hat Tips 4
    • View Profile
  • Location: Brooklyn, NY
  • Programs: AA, CA, FAA, GA, NA, OA, WA
Re: credit score
« Reply #2774 on: April 09, 2016, 11:26:35 PM »
Does anyone here mind PMing me to answer a personal credit score question.  TIA
Logged

Offline JTZ

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Apr 2016
  • Posts: 2098
  • Total likes: 230
  • DansDeals.com Hat Tips 1
    • View Profile
Re: credit score
« Reply #2775 on: April 11, 2016, 10:47:43 AM »
Quote from: Der Deutsche Jude on April 09, 2016, 11:26:35 PM
Does anyone here mind PMing me to answer a personal credit score question.  TIA
What is the question?
Logged
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline noturbizniss

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2012
  • Posts: 7118
  • Total likes: 140
  • DansDeals.com Hat Tips 4
  • Gender: Male
    • View Profile
  • Location: North Jersey
Re: credit score
« Reply #2776 on: April 13, 2016, 07:15:44 AM »
If a cc closed yesterday (I see statement online now), however CK report is still showing the prior balance (report was updated just now), does tht mean the statement may not be reported to CB's yet? I want to ensure EX is updated before i apply for a card, but if CK is a good measuring stick, ill wait a day or 2 before getting EX trial.

Basically my question is how long after a statement closes will the CR be updated.
Logged
READ THE DARN WIKI!!!!

Chuck Norris...
...can still do FT method
...READS THE WIKI!!!

Offline Mendelssohn

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Sep 2015
  • Posts: 672
  • Total likes: 11
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: North Texas
Re: credit score
« Reply #2777 on: April 13, 2016, 09:10:01 AM »
Quote from: noturbizniss on April 13, 2016, 07:15:44 AM
If a cc closed yesterday (I see statement online now), however CK report is still showing the prior balance (report was updated just now), does tht mean the statement may not be reported to CB's yet? I want to ensure EX is updated before i apply for a card, but if CK is a good measuring stick, ill wait a day or 2 before getting EX trial.

Basically my question is how long after a statement closes will the CR be updated.

It just hasn't updated yet.  There is no way to tell when it will report to EX from CK though.

IME, most of the time EX updates in 1-2 days, EQ a day or two later and TU up to a week from the statement closing.
Logged

Offline JTZ

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Apr 2016
  • Posts: 2098
  • Total likes: 230
  • DansDeals.com Hat Tips 1
    • View Profile
Re: credit score
« Reply #2778 on: April 13, 2016, 09:29:53 AM »
Quote from: Mendelssohn on April 13, 2016, 09:10:01 AM
IME, most of the time EX updates in 1-2 days, EQ a day or two later and TU up to a week from the statement closing.
Is this also based on CC issuer.
Logged
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline Mendelssohn

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Sep 2015
  • Posts: 672
  • Total likes: 11
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: North Texas
Re: credit score
« Reply #2779 on: April 13, 2016, 09:31:20 AM »
Quote from: JTZ on April 13, 2016, 09:29:53 AM
Is this also based on CC issuer.

Not IME.

They report to all 3 the same day.  They tend to update in that order for me for all issuers.

TU has antiquated technology.
Logged
Pages: 1 ... 133 134 135 136 137 138 [139] 140 141 142 143 144 145 ... 226   Go Up
« previous next »