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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 830754 times)

Offline dealfinder85

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Re: credit score
« Reply #2800 on: April 15, 2016, 12:33:54 PM »
Quote from: Jkhein on April 15, 2016, 12:32:00 PM
is it better/any difference if I let one credit card close with 95% credit utilization or lets say a few different ones with 60%? and does it hurt long term or it will recover when payment is made by next month?
it all depends on what the limits are on the different cards
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Offline Jkhein

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Re: credit score
« Reply #2801 on: April 15, 2016, 12:34:41 PM »
Quote from: mgarfin on April 15, 2016, 10:34:12 AM
Do all banks report data from statement closing day? Is there a scenario that a bank reports data from a given day in the month, no matter if it's closing day?
+1 would love some clear data points on this
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Offline JTZ

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Re: credit score
« Reply #2802 on: April 15, 2016, 12:45:30 PM »
Quote from: Jkhein on April 15, 2016, 12:34:41 PM
+1 would love some clear data points on this
Maybe start a thread on this. IIRC US Bank is the 1st of the month.
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Offline noturbizniss

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Re: credit score
« Reply #2803 on: April 15, 2016, 02:56:34 PM »
Quote from: mgarfin on April 15, 2016, 10:34:12 AM
Do all banks report data from statement closing day? Is there a scenario that a bank reports data from a given day in the month, no matter if it's closing day?
Chase reports when balance is PIF
Quote from: JTZ on April 15, 2016, 12:45:30 PM
Maybe start a thread on this. IIRC US Bank is the 1st of the month.
Seriously?
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Offline JTZ

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Re: credit score
« Reply #2804 on: April 15, 2016, 04:15:06 PM »
Quote from: noturbizniss on April 15, 2016, 02:56:34 PM
Seriously?
If there is enough interest why not. I am sure the CB guys/gals can add to it or give some links to it at CB.
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Offline yitrap

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Re: credit score
« Reply #2805 on: April 17, 2016, 12:28:26 AM »
Quote from: JTZ on April 15, 2016, 04:15:06 PM
If there is enough interest why not. I am sure the CB guys/gals can add to it or give some links to it at CB.
I think he's asking about the second part of your post...
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Offline JTZ

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Re: credit score
« Reply #2806 on: April 17, 2016, 12:57:48 AM »
Quote from: yitrap on April 17, 2016, 12:28:26 AM
I think he's asking about the second part of your post...
In that case yes I am serious. HSBC I believe is the same way.
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Offline Zalc

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Re: credit score
« Reply #2807 on: April 17, 2016, 06:53:00 PM »
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Offline Mendelssohn

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Re: credit score
« Reply #2808 on: April 18, 2016, 09:41:32 AM »
The DoC list is pretty short.

One of the few uses for Credit Karma is to see when your cards report. 

DCU, for example, does not report my statement balance but the balance as of the last day of the month.
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Offline Zalc

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Re: credit score
« Reply #2809 on: April 18, 2016, 11:45:16 AM »
Quote from: Mendelssohn on April 18, 2016, 09:41:32 AM
The DoC list is pretty short.

One of the few uses for Credit Karma is to see when your cards report. 

DCU, for example, does not report my statement balance but the balance as of the last day of the month.
It's a good start though. Can we add a list to this thread's wiki, and update it as we go?
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Offline PillanSmye

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Re: credit score
« Reply #2810 on: April 18, 2016, 12:29:53 PM »
Quote from: Zalc on April 18, 2016, 11:45:16 AM
It's a good start though. Can we add a list to this thread's wiki, and update it as we go?

Why would reporting timelines of CC issuers be added to a credit score wiki?
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Offline Zalc

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Re: credit score
« Reply #2811 on: April 18, 2016, 12:37:19 PM »
Quote from: PillanSmye on April 18, 2016, 12:29:53 PM
Why would reporting timelines of CC issuers be added to a credit score wiki?
Better in the $2 trick thread?

I feel a new one would get lost in the credit cards subforums, and the search function here isn't too user-friendly..
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Offline marcoivan

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Re: credit score
« Reply #2812 on: April 18, 2016, 03:42:40 PM »
Now BofA also added FICO scores for their amex cards. Not sure how accurate it is but there is a vast difference when compared with credit karma - 30+ points in my case.
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Offline JTZ

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Re: credit score
« Reply #2813 on: April 18, 2016, 04:08:54 PM »
Credit Karma is 100% USELESS when it comes to scores.
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Offline noturbizniss

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Re: credit score
« Reply #2814 on: April 18, 2016, 05:35:39 PM »
Quote from: marcoivan on April 18, 2016, 03:42:40 PM
Now BofA also added FICO scores for their amex cards. Not sure how accurate it is but there is a vast difference when compared with credit karma - 30+ points in my case.

Quote from: JTZ on April 18, 2016, 04:08:54 PM
Credit Karma is 100% USELESS when it comes to scores.
Seriously. How many times does it need to be repeated!
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Offline CS91

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Re: credit score
« Reply #2815 on: April 18, 2016, 06:52:10 PM »
Fed up with EX/Amex. Called to have AU removed, results of the dispute came back as "processed" (aka no change). Disputed again, same results. Disputed with CSFB and got the same result so I closed the AU account and disputed it again and they still refuse to remove it.
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Offline JTZ

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Re: credit score
« Reply #2816 on: April 18, 2016, 07:04:27 PM »
Quote from: noturbizniss on April 18, 2016, 05:35:39 PM
Seriously. How many times does it need to be repeated!
6,236  :)
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Offline theblakdavid

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Re: credit score
« Reply #2817 on: April 18, 2016, 07:11:01 PM »
Quote from: CS91 on April 18, 2016, 06:52:10 PM
Fed up with EX/Amex. Called to have AU removed, results of the dispute came back as "processed" (aka no change). Disputed again, same results. Disputed with CSFB and got the same result so I closed the AU account and disputed it again and they still refuse to remove it.
Is the account that youre AU at the same address that you live at?
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Offline CS91

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Re: credit score
« Reply #2818 on: April 18, 2016, 07:26:13 PM »
Quote from: theblakdavid on April 18, 2016, 07:11:01 PM
Is the account that youre AU at the same address that you live at?
Yes.
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Offline theblakdavid

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Re: credit score
« Reply #2819 on: April 18, 2016, 07:33:27 PM »
Quote from: CS91 on April 18, 2016, 07:26:13 PM
Yes.
Dispute again, say new reasons. I had to dispute a few times to get them removed.
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