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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 579452 times)

Offline PillanSmye

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Re: credit score
« Reply #3500 on: January 30, 2017, 12:47:31 AM »
I have a bad credit score and my wife has a great credit score, my wife is leasing a car would it help my credit if I would co sign the car and will it affect her being approved for the car lease?

Why do you have a bad credit score?  What have you done to improve it?  When's the last time you got paper copies of all your reports?

Offline Yitzshpitz

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Re: credit score
« Reply #3501 on: January 31, 2017, 10:05:08 PM »
Is it possible that my credit score dropped 10 points in a month just from a little bit of a higher spending month? Can I check up on that without requesting a credit report? (used my free one this year)

Offline JACKBLUE

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Re: credit score
« Reply #3502 on: January 31, 2017, 10:07:29 PM »
Is it possible that my credit score dropped 10 points in a month just from a little bit of a higher spending month?
yes

Offline chinagel

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Re: credit score
« Reply #3503 on: January 31, 2017, 10:11:55 PM »
Of course anything can be found out with enough time and effort, but that's under the assumption that serious time and effort is spent investigating people's claims to the CB. I think feds got bigger fish to fry.

Anyway, this discussion it moot. Agree to disagree.
just curious, anyone here said its illegal? i thought the original problem was having to lie?

Offline Hjay

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Re: credit score
« Reply #3504 on: February 07, 2017, 02:01:02 AM »
If I add somebody as an au on a Citi & BofA cc, open for about 10 years & 4 years respectively. Would that boost their credit right away & how long would it take to see the diff?

Offline JTZ

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Re: credit score
« Reply #3505 on: February 07, 2017, 06:15:07 AM »
If I add somebody as an au on a Citi & BofA cc, open for about 10 years & 4 years respectively. Would that boost their credit right away & how long would it take to see the diff?
Once the cards report.
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Offline mendy from lakewood

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Re: credit score
« Reply #3506 on: February 07, 2017, 07:49:39 AM »
I have a bad credit score and my wife has a great credit score, my wife is leasing a car would it help my credit if I would co sign the car and will it affect her being approved for the car lease?
update: I did it and car still got approved and now have a car lease in my name which is better then a credit card for building credit
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Offline Hjay

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Re: credit score
« Reply #3507 on: February 07, 2017, 08:43:48 AM »
Once the cards report.
How long does it take for that to happen?

Offline as2

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Re: credit score
« Reply #3508 on: February 07, 2017, 08:49:24 AM »
How long does it take for that to happen?
Usually when the statement closes
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Offline PillanSmye

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Re: credit score
« Reply #3509 on: February 07, 2017, 10:46:49 AM »
update: I did it and car still got approved and now have a car lease in my name which is better then a credit card for building credit

Says who?

Offline mendy from lakewood

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Re: credit score
« Reply #3510 on: February 07, 2017, 11:41:12 AM »
"Respect is earned, Honesty is appreciated, Trust is gained, Loyalty is returned"

Offline PillanSmye

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Re: credit score
« Reply #3511 on: February 07, 2017, 07:30:17 PM »
i said it

Congratulations on your consigned lease.

But it is in no way better for building credit than a credit card.  The fact that it has increased your DTI and costs you points until it's paid below 20% makes it worse than a credit card in reality.  And when its paid off,  you'll lose the points you gained from the sweet spots.

Offline mendy from lakewood

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Re: credit score
« Reply #3512 on: February 07, 2017, 07:33:20 PM »
Congratulations on your consigned lease.

But it is in no way better for building credit than a credit card.  The fact that it has increased your DTI and costs you points until it's paid below 20% makes it worse than a credit card in reality.  And when its paid off,  you'll lose the points you gained from the sweet spots.
Actually experian credit score jumped 11 points from this
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Offline as2

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Re: credit score
« Reply #3513 on: February 07, 2017, 07:38:42 PM »
Actually experian credit score jumped 11 points from this
And how much would it have jumped from a credit card?
Memories last forever, make them while you can.

Offline mendy from lakewood

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Re: credit score
« Reply #3514 on: February 07, 2017, 07:40:43 PM »
And how much would it have jumped from a credit card?
dont know
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Offline as2

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Re: credit score
« Reply #3515 on: February 07, 2017, 07:43:04 PM »
Memories last forever, make them while you can.

Offline mochjas

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Re: credit score
« Reply #3516 on: February 07, 2017, 07:47:46 PM »
And how much would it have jumped from a credit card?
actually in the short term it would go down with a cc but in the long term the cc is much better

Offline PillanSmye

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Re: credit score
« Reply #3517 on: February 07, 2017, 08:58:55 PM »
Actually experian credit score jumped 11 points from this

First of all,  where did you find your 11 point jump?  Second,  11 points isn't a jump.

Offline sam28

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Re: credit score
« Reply #3518 on: February 08, 2017, 10:22:01 AM »
how do I make my score go up form 786 to over 800 ?

Offline foseph

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Re: credit score
« Reply #3519 on: February 13, 2017, 01:06:36 PM »
is there any reason not to open a few new cc's the day after a house closing (mortgage, credit line, or cc company perspective)? (been holding off on CSR  ;))