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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 »

Author Topic: credit score  (Read 579444 times)

Offline pixi

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Re: credit score
« Reply #3460 on: January 24, 2017, 12:47:31 PM »
If I close a amex card and I reinstate it within  30 days , will it show up on my credit report as closed(/reopened) ?
money doesn't talk......      it SCREAMS !

Offline jsk173

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Re: credit score
« Reply #3461 on: January 24, 2017, 05:03:03 PM »
Going to hate myself for asking this. Please explain huge?

A while back, I (temporarily) had a credit report with only one account on it, and one inquiry dropped that report's FICO by over 20 points. I've seen reports elsewhere of even bigger hits when the report in question is very short and very thin.

Offline as2

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Re: credit score
« Reply #3462 on: January 24, 2017, 05:11:27 PM »
A while back, I (temporarily) had a credit report with only one account on it, and one inquiry dropped that report's FICO by over 20 points. I've seen reports elsewhere of even bigger hits when the report in question is very short and very thin.
Not sure how this is possible. I had a mortgage, car lease, and multiple credit cards pulled on a report with only one account on it, and dropped nowhere near 20 points.
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Offline jsk173

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Re: credit score
« Reply #3463 on: January 24, 2017, 05:20:58 PM »
Not sure how this is possible. I had a mortgage, car lease, and multiple credit cards pulled on a report with only one account on it, and dropped nowhere near 20 points.

You're arguing that because it didn't happen in your case, it's not possible?

How old was the one account on the report?

Offline as2

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Re: credit score
« Reply #3464 on: January 24, 2017, 05:31:35 PM »
You're arguing that because it didn't happen in your case, it's not possible?

How old was the one account on the report?
No, I was merely stating that it is hard for me to understand how it is possible, given my experience. The account i am referring to was at most 2 years old.
Memories last forever, make them while you can.

Offline jsk173

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Re: credit score
« Reply #3465 on: January 24, 2017, 05:44:27 PM »
No, I was merely stating that it is hard for me to understand how it is possible, given my experience. The account i am referring to was at most 2 years old.

My one account was three months old.

Offline pixi

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Re: credit score
« Reply #3466 on: January 24, 2017, 05:55:59 PM »
If I close a amex card and I reinstate it within  30 days , will it show up on my credit report as closed(/reopened) ?
Bump
money doesn't talk......      it SCREAMS !

Offline JTZ

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Re: credit score
« Reply #3467 on: January 24, 2017, 07:23:37 PM »
A while back, I (temporarily) had a credit report with only one account on it, and one inquiry dropped that report's FICO by over 20 points. I've seen reports elsewhere of even bigger hits when the report in question is very short and very thin.
IIRC you need three trade lines reporting to generate a CR/FICO score.
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline PillanSmye

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Re: credit score
« Reply #3468 on: January 24, 2017, 07:30:22 PM »
IIRC you need three trade lines reporting to generate a CR/FICO score.
No way

Offline jsk173

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Re: credit score
« Reply #3469 on: January 24, 2017, 08:26:29 PM »
IIRC you need three trade lines reporting to generate a CR/FICO score.

No, you need one account that's at least 6 months old, one account that's been updated within the past six months, and a pulse.

(Thinking back, the report in question had only one current account, plus an old store card that hadn't been updated in years.)

Offline noturbizniss

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Re: credit score
« Reply #3470 on: January 24, 2017, 09:53:53 PM »
Bump
Please read forum rules, specifically no bumping before 24 hours
If I close a amex card and I reinstate it within  30 days , will it show up on my credit report as closed(/reopened) ?
READ THE DARN WIKI!!!!

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Offline shulem92

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Re: credit score
« Reply #3471 on: January 25, 2017, 12:56:26 AM »
IIRC you need three trade lines reporting to generate a CR/FICO score.
My wife has a score and she's at 2/lifetime now, so that kinda disproves it

Offline JTZ

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Re: credit score
« Reply #3472 on: January 25, 2017, 01:36:06 AM »
No way
No, you need one account that's at least 6 months old, one account that's been updated within the past six months, and a pulse.
My wife has a score and she's at 2/lifetime now, so that kinda disproves it
Stand corrected.
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline ranhan429

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Re: credit score
« Reply #3473 on: January 26, 2017, 05:14:32 AM »
just out of curiosity... for the heavy/aggressive churners out there... i do churn but i am pretty cautious... (probably around a dozen or so new cc's a year), but due to some recent abilities to spend more money, i would like to open even more cards. I am concerned though, about looking "too risky" ... e.g., i saw the chase A/A wiki which said randomly people got shut down for having too many cards open even at other banks!

Q: have people been into getting the CB to remove closed accounts (in good standing) off their CR? I saw some goodwill letters on line for accounts in bad standing, etc. I was just thinking if I can have the CB remove some accounts from my CR I would be more inclined to open more ccs... that way at least the excessive amount of cards I churn will not look too suspicious (not that it already doesn't...) anyway... any pointers greatly appreciated.. TIA!!
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Offline JTZ

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Re: credit score
« Reply #3474 on: January 26, 2017, 07:49:53 AM »
Q: have people been into getting the CB to remove closed accounts (in good standing) off their CR? I saw some goodwill letters on line for accounts in bad standing, etc. I was just thinking if I can have the CB remove some accounts from my CR I would be more inclined to open more ccs... that way at least the excessive amount of cards I churn will not look too suspicious (not that it already doesn't...) anyway... any pointers greatly appreciated.. TIA!!
I don't sweat it and just churn away. My CR is long and thick. I don't even worry about maxing cards out at 100%.
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline ranhan429

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Re: credit score
« Reply #3475 on: January 26, 2017, 07:53:43 AM »
I don't sweat it and just churn away. My CR is long and thick. I don't even worry about maxing cards out at 100%.
What about chase A/A?
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Offline JTZ

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Re: credit score
« Reply #3476 on: January 26, 2017, 07:54:45 AM »
What about chase A/A?
I am at four times (AA) with them. When should I start caring?
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline aygart

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Re: credit score
« Reply #3477 on: January 26, 2017, 09:10:13 AM »
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Feelings don't care about your facts

Offline shulem92

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Re: credit score
« Reply #3478 on: January 26, 2017, 10:49:34 AM »
just out of curiosity... for the heavy/aggressive churners out there... i do churn but i am pretty cautious... (probably around a dozen or so new cc's a year), but due to some recent abilities to spend more money, i would like to open even more cards. I am concerned though, about looking "too risky" ... e.g., i saw the chase A/A wiki which said randomly people got shut down for having too many cards open even at other banks!

Q: have people been into getting the CB to remove closed accounts (in good standing) off their CR? I saw some goodwill letters on line for accounts in bad standing, etc. I was just thinking if I can have the CB remove some accounts from my CR I would be more inclined to open more ccs... that way at least the excessive amount of cards I churn will not look too suspicious (not that it already doesn't...) anyway... any pointers greatly appreciated.. TIA!!
I don't think that's possible. CMIIW. But why would they remove it from your credit history?

Offline JTZ

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Re: credit score
« Reply #3479 on: January 26, 2017, 10:53:40 AM »
I don't think that's possible. CMIIW. But why would they remove it from your credit history?
Yes you can have some removed but you would have to lie.
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(