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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 566565 times)

Offline Jay s

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Re: credit score
« Reply #3580 on: March 21, 2017, 08:26:03 PM »
Are they the same date and coded exactly the same?
yes both say barclaybankde

Offline maylei

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Re: credit score
« Reply #3581 on: March 22, 2017, 07:40:09 AM »
Am I able to pay off a car lease with a credit card?

Offline noturbizniss

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Re: credit score
« Reply #3582 on: March 22, 2017, 07:51:30 AM »
Am I able to pay off a car lease with a credit card?
Why don't you call the bank that your making payments too
READ THE DARN WIKI!!!!

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Offline JTZ

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Re: credit score
« Reply #3583 on: March 22, 2017, 12:06:43 PM »
Am I able to pay off a car lease with a credit card?
YMMV
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline sam2015

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Re: credit score
« Reply #3584 on: March 24, 2017, 12:42:23 PM »
Oh no! I just realized that I missed a payment on my Discover card - the whole balance was $5 - I missed it by 3 days - how is this going to affect my credit score and how can I rectify it?


Offline JTZ

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Re: credit score
« Reply #3585 on: March 24, 2017, 12:54:26 PM »
Oh no! I just realized that I missed a payment on my Discover card - the whole balance was $5 - I missed it by 3 days - how is this going to affect my credit score and how can I rectify it?
Pay it now and don't worry about it.
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline as2

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Re: credit score
« Reply #3586 on: March 24, 2017, 01:17:10 PM »
Pay it now and don't worry about it.
-1 offer them your first born son. If you do not have one, promise them you will.
Memories last forever, make them while you can.

Offline caliheat

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Re: credit score
« Reply #3587 on: March 24, 2017, 01:20:03 PM »
Oh no! I just realized that I missed a payment on my Discover card - the whole balance was $5 - I missed it by 3 days - how is this going to affect my credit score and how can I rectify it?



Live and learn..

Offline as2

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Re: credit score
« Reply #3588 on: March 24, 2017, 01:43:10 PM »
On a business credit card, will carrying a balance (making at least minimum payments) affect your credit?
Memories last forever, make them while you can.

Online mmgfarb

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Re: credit score
« Reply #3589 on: March 24, 2017, 01:43:47 PM »
On a business credit card, will carrying a balance (making at least minimum payments) affect your credit?
Not if the card doesn't report.
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline myi

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Re: credit score
« Reply #3590 on: March 24, 2017, 03:18:58 PM »
Oh no! I just realized that I missed a payment on my Discover card - the whole balance was $5 - I missed it by 3 days - how is this going to affect my credit score and how can I rectify it?
Like said above pay it now, and try not to miss the next month payment, if after 2x missing then you can start worrying..
 No NEED to be traumatized because of this, you can still use the cc.  ;)
Don't try to be someone else , be who you are because everyone else is taken.

Offline a good yeshiva bachur

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Re: credit score
« Reply #3591 on: March 24, 2017, 03:54:31 PM »
if i get a pull on TransUnion or Equifax how long will it take for Experian to find out i got a new cc

Online mmgfarb

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Re: credit score
« Reply #3592 on: March 24, 2017, 03:59:40 PM »
if i get a pull on TransUnion or Equifax how long will it take for Experian to find out i got a new cc
Depends on the issuer but it has nothing to do with the pull, most likely it'll report to all three at the same time.
« Last Edit: March 24, 2017, 04:44:32 PM by mmgfarb »
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline as2

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Re: credit score
« Reply #3593 on: March 24, 2017, 04:24:41 PM »
Not if the card doesn't report.
So any card that wouldn't count towards 5/24 would fall into that category
Memories last forever, make them while you can.

Offline a good yeshiva bachur

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Re: credit score
« Reply #3594 on: March 24, 2017, 04:27:17 PM »
Depends on the issuer but it has nothing to do with the pull, most likely it'll report to all three immediately.
citi

Offline myi

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Re: credit score
« Reply #3595 on: March 24, 2017, 04:30:26 PM »
Depends on the issuer but it has nothing to do with the pull, most likely it'll report to all three immediately.
Anytime one has a debt or late payment which credit Bureau is notified? Ever that all 3 are? 
Don't try to be someone else , be who you are because everyone else is taken.

Online mmgfarb

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Re: credit score
« Reply #3596 on: March 24, 2017, 04:47:13 PM »
citi
IINM Citi reports when your first statement closes but I could very well be wrong on that. I modified my post above btw, I meant that they'll report to all three CB's at the same time not that they necessarily report as soon as it's opened.
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Offline noturbizniss

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Re: credit score
« Reply #3597 on: March 25, 2017, 08:21:20 PM »
Anytime one has a debt or late payment which credit Bureau is notified? Ever that all 3 are?
If they actually notify, then all 3 are notified. See my below response.
Oh no! I just realized that I missed a payment on my Discover card - the whole balance was $5 - I missed it by 3 days - how is this going to affect my credit score and how can I rectify it?
To clarify the above posters saying to pay now, for the vast majority of cc issuers they do not report late payments until at least 30 days late (from payment due date, not statement date),soem are 60 or 90 days.
If you pay it now all youll face is interest and a late fee. Putpac should probably get both removed assuming this was the first time this happened.
READ THE DARN WIKI!!!!

Chuck Norris...
...can still do FT method
...READS THE WIKI!!!

Offline JTZ

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Re: credit score
« Reply #3598 on: March 25, 2017, 10:01:57 PM »
To clarify the above posters saying to pay now, for the vast majority of cc issuers they do not report late payments until at least 30 days late (from payment due date, not statement date),soem are 60 or 90 days.
IIRC they are not allowed to report the account late to the CRA until it is 30 days late or more.
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline myi

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Re: credit score
« Reply #3599 on: March 30, 2017, 04:57:59 PM »
https://www.gofreecredit.com/d3f99e1/tu01a

Ever heard of this? Real report?
Don't try to be someone else , be who you are because everyone else is taken.