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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 837824 times)

Offline Zalc

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Re: credit score
« Reply #2880 on: May 12, 2016, 12:24:26 AM »
What more do the banks see what you apply for a business credit card?

Do they see all the other Biz cards on that social, with all the same info that the personal cards usually have?
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Offline Mendelssohn

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Re: credit score
« Reply #2881 on: May 12, 2016, 12:30:28 AM »
Quote from: Zalc on May 12, 2016, 12:24:26 AM
What more do the banks see what you apply for a business credit card?

Do they see all the other Biz cards on that social, with all the same info that the personal cards usually have?

For most Biz cards, they pull a personal and biz report. 

TBH I have never seen my Biz report. 
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Offline Zalc

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Re: credit score
« Reply #2882 on: May 12, 2016, 01:38:08 AM »
Quote from: Mendelssohn on May 12, 2016, 12:30:28 AM
For most Biz cards, they pull a personal and biz report. 

TBH I have never seen my Biz report.
Is there any way to see it?
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Offline yochiek93

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Re: credit score
« Reply #2883 on: May 13, 2016, 02:09:59 AM »
how long do i need to wait after thawing out my Experian report before applying?
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Offline Mendelssohn

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Re: credit score
« Reply #2884 on: May 13, 2016, 01:23:34 PM »
Quote from: yochiek93 on May 13, 2016, 02:09:59 AM
how long do i need to wait after thawing out my Experian report before applying?

It's ready immediately.
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Offline JTZ

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Re: credit score
« Reply #2885 on: May 16, 2016, 02:37:03 AM »
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Offline Geshmak25

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Re: credit score
« Reply #2886 on: May 16, 2016, 08:12:50 AM »
Got auto-declined by Amex for too many cards within a few months - will that count as a credit pull?
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Offline noturbizniss

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Re: credit score
« Reply #2887 on: May 16, 2016, 10:47:52 AM »
Quote from: Geshmak25 on May 16, 2016, 08:12:50 AM
Got auto-declined by Amex for too many cards within a few months - will that count as a credit pull?
Probably.
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Offline CS91

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Re: credit score
« Reply #2888 on: May 17, 2016, 01:50:17 PM »
Quote from: noturbizniss on May 16, 2016, 10:47:52 AM
Probably.
Not always true. Wasn't a pull for me.
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Offline Geshmak25

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Re: credit score
« Reply #2889 on: May 17, 2016, 01:58:54 PM »
Quote from: CS91 on May 17, 2016, 01:50:17 PM
Not always true. Wasn't a pull for me.
How can I find out this info (for free)?
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Offline Zalc

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Re: credit score
« Reply #2890 on: May 17, 2016, 02:33:53 PM »
Quote from: Geshmak25 on May 17, 2016, 01:58:54 PM
How can I find out this info (for free)?
Check credit.com?

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Offline Geshmak25

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Re: credit score
« Reply #2891 on: May 17, 2016, 02:55:59 PM »
Quote from: Zalc on May 17, 2016, 02:33:53 PM
Check credit.com?
Where does it show a list of credit pulls (without signing up for paid version)? I do see that it says my latest inquiry is 04/2016, which would indicate that it was not a pull unless the report wasn't updated yet (just happened yesterday).

Lol A+ in everything and F in credit inquiries.
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Offline Zalc

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Re: credit score
« Reply #2892 on: May 17, 2016, 03:11:17 PM »
Quote from: Geshmak25 on May 17, 2016, 02:55:59 PM
Where does it show a list of credit pulls (without signing up for paid version)? I do see that it says my latest inquiry is 04/2016, which would indicate that it was not a pull unless the report wasn't updated yet (just happened yesterday).

Lol A+ in everything and F in credit inquiries.
I don't think I showed a list

Mark of a churner...
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Offline Mendelssohn

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Re: credit score
« Reply #2893 on: May 18, 2016, 09:52:18 AM »
Check the EX back door. 

Normally Amex is a SP for denial for existing card holders.

Existing card holders typically only get a HP for a denial if they would have been approved based on the last AR SP but their report changed in a way that they were denied.
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Offline Welder

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Re: credit score
« Reply #2894 on: May 18, 2016, 10:38:31 PM »
Can I call a credit bureau to combine multiple pulls from the same month if one pull was from a personal app and the other a business app?
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Offline Zalc

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Re: credit score
« Reply #2895 on: May 18, 2016, 10:43:26 PM »
Quote from: Welder on May 18, 2016, 10:38:31 PM
Can I call a credit bureau to combine multiple pulls from the same month if one pull was from a personal app and the other a business app?
What bank?
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Offline Welder

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Re: credit score
« Reply #2896 on: May 18, 2016, 10:44:28 PM »
Quote from: Zalc on May 18, 2016, 10:43:26 PM
What bank?
Chase. They don't look any different on my report though (Experian).
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Offline ExGingi

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Re: credit score
« Reply #2897 on: May 18, 2016, 11:31:54 PM »
Do US Bank business credit cards report/affect personal credit score?
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Offline B.D.Da'ehu

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Re: credit score
« Reply #2898 on: May 19, 2016, 12:56:22 PM »
How do i find an experian report number?
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Offline Geshmak25

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Re: credit score
« Reply #2899 on: May 19, 2016, 01:02:36 PM »
My credit score listed on Amex dropped by almost 30 points this month (high 700s to mid 700s). Can that solely be attributed to opening new accounts and closing others? I opened at least 4 cards within that timeframe.
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