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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 579443 times)

Offline PillanSmye

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Re: credit score
« Reply #3520 on: February 13, 2017, 01:52:35 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  ;))

No, if anything its a good excuse if you have to talk to a CC underwriter that you have to buy furniture or carpet or something like that.

Offline PillanSmye

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Re: credit score
« Reply #3521 on: February 13, 2017, 01:53:54 PM »
how do I make my score go up form 786 to over 800 ?

Time
The $2 trick
The installment loan hack if you currently have no open installment loans

Offline myi

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Re: credit score
« Reply #3522 on: February 13, 2017, 02:04:36 PM »
Time
The $2 trick
The installment loan hack if you currently have no open installment loans
The installment loan hack if you currently have no open installment loans?

 What's that?
Don't try to be someone else , be who you are because everyone else is taken.

Offline mmgfarb

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Re: credit score
« Reply #3523 on: February 13, 2017, 02:39:58 PM »
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline PillanSmye

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Re: credit score
« Reply #3524 on: February 13, 2017, 08:02:49 PM »
http://www.doctorofcredit.com/strengthen-credit-installment-loan-using-secured-loan-technique/

People should do themselves a favor and read the thread on creditboards.com Alliant Share Secured Cliffsnotes  or go to the MyFico thread.  DOC leaves out some very key points

Offline mmgfarb

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Re: credit score
« Reply #3525 on: February 13, 2017, 08:03:26 PM »
People should do themselves a favor and read the thread on creditboards.com Alliant Share Secured Cliffsnotes  or go to the MyFico thread.  DOC leaves out some very key points
Links?
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline yitrap

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Offline foseph

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Re: credit score
« Reply #3527 on: February 16, 2017, 08:13:33 AM »
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  ;))
bump. anyone?

Offline as2

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Re: credit score
« Reply #3528 on: February 16, 2017, 08:21:07 AM »
bump. anyone?


No, if anything its a good excuse if you have to talk to a CC underwriter that you have to buy furniture or carpet or something like that


Memories last forever, make them while you can.

Offline foseph

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Re: credit score
« Reply #3529 on: February 16, 2017, 08:23:49 AM »

weird, thanks, totally missed the response...

Offline as2

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Re: credit score
« Reply #3530 on: February 16, 2017, 08:24:43 AM »
weird, thanks, totally missed the response...
No problem, that's why I re-quoted it ;D
Memories last forever, make them while you can.

Offline Hjay

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Re: credit score
« Reply #3531 on: February 20, 2017, 04:46:31 PM »
I've seen this discussed here but I just wanna confirm. If I add somebody as an au on a Citi BofA chase & synchrony bank cc which are all open for a bunch of years they will show on her report as being open since the original opening thereby boosting the persons score?

Offline jameswacht

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Re: credit score
« Reply #3532 on: February 21, 2017, 12:39:00 PM »
I applied for biz card by chase last night if i apply for another card today will chase make another hard pull? is cutoff time 12 oclock or 1 pull per 24 hours?

Offline as2

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Re: credit score
« Reply #3533 on: February 21, 2017, 12:44:01 PM »
I applied for biz card by chase last night if i apply for another card today will chase make another hard pull? is cutoff time 12 oclock or 1 pull per 24 hours?
Keep in mind, unless it's another business card, there will be a second pull regardless.
Memories last forever, make them while you can.

Offline noturbizniss

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Re: credit score
« Reply #3534 on: February 21, 2017, 01:12:14 PM »
I applied for biz card by chase last night if i apply for another card today will chase make another hard pull? is cutoff time 12 oclock or 1 pull per 24 hours?
Per day.
READ THE DARN WIKI!!!!

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Offline Thingywingy

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Re: credit score
« Reply #3535 on: March 06, 2017, 07:48:47 PM »
If my score has been pulled down by an account that I'm only an AU, what can I do? Cancel the AU? Complain to credit bureau?
I am sometimes accused of overthinking things. I am still mulling over whether that accusation has merit.

Offline 12HRS

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Re: credit score
« Reply #3536 on: March 06, 2017, 08:47:36 PM »
If my score has been pulled down by an account that I'm only an AU, what can I do? Cancel the AU? Complain to credit bureau?

the credit bureau should remove the card if you tell them to

Offline myi

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Re: credit score
« Reply #3537 on: March 07, 2017, 01:30:45 AM »
https://www.creditboards.com/forums/index.php?/topic/576354-Alliant-CU-Installment-Loan-Hack-CliffsNotes%AE#entry5541726
Don't know if this link is suppose to direct me to the page of installments? But it goes to the main page with all the options where to go, not really helpful when wanting that specific page.
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Offline yitrap

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Re: credit score
« Reply #3538 on: March 07, 2017, 01:48:21 AM »
Don't know if this link is suppose to direct me to the page of installments? But it goes to the main page with all the options where to go, not really helpful when wanting that specific page.
Try this
 https://creditboards.com/forums/index.php?showtopic=576354

Offline myi

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Re: credit score
« Reply #3539 on: March 07, 2017, 01:55:37 AM »
Try this
 https://creditboards.com/forums/index.php?showtopic=576354
This one seems to work will read through it when I get a chance!
Thanks.
Don't try to be someone else , be who you are because everyone else is taken.