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 ... 140 141 142 143 144 145 [146] 147 148 149 150 151 152 ... 226   Go Down

Author Topic: credit score  (Read 840781 times)

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 #2900 on: May 20, 2016, 12:03:17 PM »
What do you think of Discover's new credit score service?

Free EX FICO score for anyone, no need to be with discover.

Direct link

DOC article
Logged

Offline 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 #2901 on: May 20, 2016, 12:05:28 PM »
Quote from: Geshmak25 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.
how are your credit to debt ratios?
Logged

Offline CS91

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Feb 2015
  • Posts: 3457
  • Total likes: 45
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: NY
Re: credit score
« Reply #2902 on: May 20, 2016, 12:30:15 PM »
Did TU recently change their policies with having 2 pulls within 30 days removed? Just called and was told that I need to get a letter of deletion from Chase. HUCA?
Logged

Offline Geshmak25

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Sep 2014
  • Posts: 3431
  • Total likes: 127
  • DansDeals.com Hat Tips 11
    • View Profile
Re: credit score
« Reply #2903 on: May 20, 2016, 12:34:52 PM »
Quote from: mochjas on May 20, 2016, 12:05:28 PM
how are your credit to debt ratios?
Should be fine (don't have a spreadsheet with an exact calculation). I forgot to pay 1 or 2 bills early but those were still only at 10% at statement close and then there were a few .0000001%.
Logged
PUTPAC = PITA

Offline 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 #2904 on: May 20, 2016, 12:35:16 PM »
Quote from: CS91 on May 20, 2016, 12:30:15 PM
Did TU recently change their policies with having 2 pulls within 30 days removed? Just called and was told that I need to get a letter of deletion from Chase. HUCA?
chase pulls TU?
Logged

Offline CS91

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Feb 2015
  • Posts: 3457
  • Total likes: 45
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: NY
Re: credit score
« Reply #2905 on: May 20, 2016, 12:35:34 PM »
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 #2906 on: May 20, 2016, 12:46:53 PM »
Logged

Offline 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 #2907 on: May 20, 2016, 12:47:22 PM »
Logged

Offline CS91

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Feb 2015
  • Posts: 3457
  • Total likes: 45
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: NY
Re: credit score
« Reply #2908 on: May 20, 2016, 12:54:31 PM »
Quote from: mochjas on May 20, 2016, 12:47:22 PM
lucky
Back to my question though – DROPR and HUCA or change in policy?

ETA: HUCA'd and same response.
« Last Edit: May 20, 2016, 01:01:45 PM by CS91 »
Logged

Offline hide4

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Oct 2015
  • Posts: 1446
  • Total likes: 29
  • DansDeals.com Hat Tips 2
    • View Profile
  • Location: NY-Israel
Re: credit score
« Reply #2909 on: May 20, 2016, 04:34:43 PM »
Is there credit to debt ratio on charge cards? Should I keep a low balance before the statement closes?
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 #2910 on: May 20, 2016, 06:45:59 PM »
Quote from: CS91 on May 20, 2016, 12:54:31 PM
Back to my question though – DROPR and HUCA or change in policy?

ETA: HUCA'd and same response.
How did you ask?
Logged

Offline CS91

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Feb 2015
  • Posts: 3457
  • Total likes: 45
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: NY
Re: credit score
« Reply #2911 on: May 20, 2016, 07:12:03 PM »
Quote from: Zalc on May 20, 2016, 06:45:59 PM
How did you ask?
Applied for a card but there's a duplicate pull etc. I've done this before so I know what to say. I actually did it today with EX and they took it off.
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 #2912 on: May 20, 2016, 07:21:38 PM »
Quote from: CS91 on May 20, 2016, 07:12:03 PM
Applied for a card but there's a duplicate pull etc. I've done this before so I know what to say. I actually did it today with EX and they took it off.
I asked cause I know someone who tried with EX today and they too told him they he needs a letter from Chase.
Maybe it's a chase thing.
He may not have asked correctly though.
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 #2913 on: May 21, 2016, 10:24:45 PM »
Quote from: CS91 on May 20, 2016, 07:12:03 PM
Applied for a card but there's a duplicate pull etc. I've done this before so I know what to say. I actually did it today with EX and they took it off.
TU doesn't play that game.
Logged
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

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 #2914 on: May 21, 2016, 10:52:23 PM »
Quote from: Zalc on May 20, 2016, 07:21:38 PM
I asked cause I know someone who tried with EX today and they too told him they he needs a letter from Chase.
Maybe it's a chase thing.
He may not have asked correctly though.
Update. Huca, EX took the pull off.

I was sure I saw a DP that someone removed a 2nd Barclay's pull on TU.
Logged

Offline CS91

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Feb 2015
  • Posts: 3457
  • Total likes: 45
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: NY
Re: credit score
« Reply #2915 on: May 21, 2016, 11:00:32 PM »
Quote from: JTZ on May 21, 2016, 10:24:45 PM
TU doesn't play that game.
-1

I've done it with TU before, on multiple occasions.
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 #2916 on: May 21, 2016, 11:15:24 PM »
Quote from: CS91 on May 21, 2016, 11:00:32 PM
-1

I've done it with TU before, on multiple occasions.
You can get it done but it is not like EX. EX looks at as duplicates but TU doesn't.
Logged
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline shia27

  • DansDeals Copper Elite
  • *
  • Join Date: Feb 2016
  • Posts: 23
  • Total likes: 1
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: BROOKLYN
Re: credit score
« Reply #2917 on: May 24, 2016, 01:10:03 PM »
I just checked my experian report and i still see a hard pull from 5/11/2014, isent a hard pull suppose to fall down from your credit report after 24 months?
Logged

Offline CS91

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Feb 2015
  • Posts: 3457
  • Total likes: 45
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: NY
Re: credit score
« Reply #2918 on: May 24, 2016, 01:15:53 PM »
Quote from: shia27 on May 24, 2016, 01:10:03 PM
I just checked my experian report and i still see a hard pull from 5/11/2014, isent a hard pull suppose to fall down from your credit report after 24 months?
It'll fall off once we enter June.
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 #2919 on: May 25, 2016, 07:44:11 AM »
Quote from: shia27 on May 24, 2016, 01:10:03 PM
I just checked my experian report and i still see a hard pull from 5/11/2014, isent a hard pull suppose to fall down from your credit report after 24 months?
25 for EX and 24 for the other two.
Logged
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(
Pages: 1 ... 140 141 142 143 144 145 [146] 147 148 149 150 151 152 ... 226   Go Up
« previous next »