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 »

Author Topic: credit score  (Read 576588 times)

Online dealtastic

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Re: credit score
« Reply #3560 on: March 18, 2017, 06:48:28 PM »
I recently applied for a chase card and was declined, so I transferred $2000 in credit from another card to get it opened. My credit score dropped close to 50 points, with the main factors being a reduction in credit and a new account. Will this revise itself once the new cards statement is reported? (it may have already) Did I miss something? Just looking for some info as this was a bit alarming.
Score will slowly bounce back within the next 3 months. But then again, every credit profile is different.

Offline as2

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Re: credit score
« Reply #3561 on: March 18, 2017, 09:33:11 PM »
Score will slowly bounce back within the next 3 months. But then again, every credit profile is different.
Thanks!
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Offline JTZ

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Re: credit score
« Reply #3562 on: March 18, 2017, 10:23:43 PM »
I recently applied for a chase card and was declined, so I transferred $2000 in credit from another card to get it opened. My credit score dropped close to 50 points, with the main factors being a reduction in credit and a new account. Will this revise itself once the new cards statement is reported? (it may have already) Did I miss something? Just looking for some info as this was a bit alarming.
Was this a FICO score? The only change was moving some CL?
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

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Re: credit score
« Reply #3563 on: March 18, 2017, 10:27:08 PM »
Was this a FICO score? The only change was moving some CL?
No, it was credit karma, which I know is not 100% factual,but it does say something. My statement did close with a little higher of a balance than usual but nothing that should have made a difference.
Memories last forever, make them while you can.

Offline JTZ

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Re: credit score
« Reply #3564 on: March 18, 2017, 10:32:34 PM »
No, it was credit karma, which I know is not 100% factual,but it does say something. My statement did close with a little higher of a balance than usual but nothing that should have made a difference.
FICO probably didn't change much at all.
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline noturbizniss

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Re: credit score
« Reply #3565 on: March 19, 2017, 12:59:51 AM »
No, it was credit karma, which I know is not 100% factual,but it does say something. My statement did close with a little higher of a balance than usual but nothing that should have made a difference.
Look at the graphs I put in the wiki showing ck jumping all over and fico barely moving. Ck is utter garbage and useless. Does more harm then good. It's OK for monitoring ur report but useless for actual score.
FICO probably didn't change much at all.
+1
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Re: credit score
« Reply #3566 on: March 19, 2017, 01:02:11 AM »
FICO probably didn't change much at all.

Look at the graphs I put in the wiki showing ck jumping all over and fico barely moving. Ck is utter garbage and useless. Does more harm then good. It's OK for monitoring ur report but useless for actual score. +1
Thanks.
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Re: credit score
« Reply #3567 on: March 19, 2017, 08:30:29 AM »
It's OK for monitoring ur report but useless for actual score.
Good for disputes also.
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

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Re: credit score
« Reply #3568 on: March 19, 2017, 10:14:39 AM »
Good for disputes also.
Good to know
Memories last forever, make them while you can.

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Re: credit score
« Reply #3569 on: March 19, 2017, 10:27:19 AM »
Good to know
Chase deleted an account but for some reason it wasn't deleted from TU, just EQ and EX. Disputed and a day later it was gone.
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

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Re: credit score
« Reply #3570 on: March 19, 2017, 10:30:42 AM »
Chase deleted an account but for some reason it wasn't deleted from TU, just EQ and EX. Disputed and a day later it was gone.
Nice! What about derogatory remarks?
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Re: credit score
« Reply #3571 on: March 19, 2017, 10:35:18 AM »
Nice! What about derogatory remarks?
Like? Have never tried as I don't have any.  :)
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

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Re: credit score
« Reply #3572 on: March 19, 2017, 10:45:47 AM »
Like? Have never tried as I don't have any.  :)
Lol neither do I. Someone I know has one from a medical group due to an issue that wasn't their fault. Once it's cleared up, they will need to get it wiped from their report.
Memories last forever, make them while you can.

Offline PillanSmye

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Re: credit score
« Reply #3573 on: March 19, 2017, 03:13:27 PM »
Lol neither do I. Someone I know has one from a medical group due to an issue that wasn't their fault. Once it's cleared up, they will need to get it wiped from their report.
  Your friend should register with CreditBoards, and start a thread in the medical collections forum.  It appears (no personal experience) that people are highly successful getting medical collections removed following the processes outlined there.

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Re: credit score
« Reply #3574 on: March 19, 2017, 03:30:42 PM »
  Your friend should register with CreditBoards, and start a thread in the medical collections forum.  It appears (no personal experience) that people are highly successful getting medical collections removed following the processes outlined there.
Thanks!
Memories last forever, make them while you can.

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Re: credit score
« Reply #3575 on: March 21, 2017, 04:28:57 PM »
i applied for 2 barclay cards today , on credit karma it shows it as 2 pulls will that still be merged by transunion ?

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Re: credit score
« Reply #3576 on: March 21, 2017, 05:02:44 PM »
i applied for 2 barclay cards today , on credit karma it shows it as 2 pulls will that still be merged by transunion ?
Yes
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Re: credit score
« Reply #3577 on: March 21, 2017, 05:20:41 PM »
Yes

i called transunion they also said it was 2 pulls is there still a chance that they will be merged?
they said that there is no way to dispute the second pull.

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Re: credit score
« Reply #3578 on: March 21, 2017, 05:32:40 PM »

i called transunion they also said it was 2 pulls is there still a chance that they will be merged?
they said that there is no way to dispute the second pull.
It should merge automatically, give it a couple days.
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Re: credit score
« Reply #3579 on: March 21, 2017, 08:23:42 PM »

i called transunion they also said it was 2 pulls is there still a chance that they will be merged?
they said that there is no way to dispute the second pull.
Are they the same date and coded exactly the same?
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(