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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
Chase Slate = EX (either 08 or Bankcard enhanced)
PSECU = EX 04

Citi AA = EQ bankcard enhanced
DCU= EQ 04
PenFed = EQ NextGen

Barclays = TU 08
Discover it = TU 08
Walmart (store or MC) = TU 08

Author Topic: credit score  (Read 267681 times)

Offline noturbizniss

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Re: credit score
« Reply #3780 on: December 04, 2017, 01:26:47 PM »
A collection just showed up on my report... apparently I owe National Grid $155 from 2 years ago. If I pay the collection company will it automatically fall off my report? Is  there something else I need to do? It took my score down from 800 to 700 :(
TIA
It won't fall off unless the collection agency requests it be removed.
If you had paid before they reported it, generally right when it goes to collections then they usually won't report then
READ THE DARN WIKI!!!!

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Re: credit score
« Reply #3781 on: December 05, 2017, 01:41:30 AM »
Can an unpaid parking ticket from out of state that went to collections effect my credit ?

Offline ChaimMoskowitz

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Re: credit score
« Reply #3782 on: December 05, 2017, 09:23:34 AM »
Can an unpaid parking ticket from out of state that went to collections effect my credit ?
If they report it, sure.
I just found a new supply of forks!

Offline Mendelssohn

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Re: credit score
« Reply #3783 on: December 05, 2017, 10:35:17 AM »
Could you explain please, if I caring the balance that is less than 30% of the total credit line (yes i always try to keep under 10% but you understand that if I need to use the 0%apr is that I have to) so what could affect my score besides ratio of the 30% ?
Thanks

Keep in mind that FICO calculates overall utilization, individual utilization and also the number of cards with a balance.

FICO is less sensitive the higher your AAOA.

Offline Mendelssohn

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Re: credit score
« Reply #3784 on: December 08, 2017, 10:08:40 AM »
For anyone interested, this is a good thread over on Credit Boards about different FICO scoring factors: https://creditboards.com/forums/index.php?showtopic=497484

Although Bob Wang no longer posts on CB, his threads are still full of valuable information.

Offline ChaimMoskowitz

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Re: credit score
« Reply #3785 on: December 08, 2017, 10:21:00 AM »
Although Bob Wang no longer posts on CB, his threads are still full of valuable information.
Never came back?
I just found a new supply of forks!

Offline Mendelssohn

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Re: credit score
« Reply #3786 on: December 08, 2017, 10:25:17 AM »
Never came back?

No. I still have email contact with him though.

Offline a good yeshiva bachur

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Re: credit score
« Reply #3787 on: December 08, 2017, 11:16:45 AM »
Who is bob wang?

Offline Mendelssohn

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Re: credit score
« Reply #3788 on: December 08, 2017, 11:44:02 AM »
Who is bob wang?

A credit genius who knows more about FICO than probably anyone outside of FICO. Read some of his threads on Credit Boards, and check out the link I posted for example.

Offline ChaimMoskowitz

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Re: credit score
« Reply #3789 on: December 08, 2017, 12:43:12 PM »
A credit genius who knows more about FICO than probably anyone outside of FICO. Read some of his threads on Credit Boards, and check out the link I posted for example.
This might help most here to understand better. Dan for credit.  :)
I just found a new supply of forks!

Offline PillanSmye

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Re: credit score
« Reply #3790 on: December 09, 2017, 03:08:32 PM »
If they report it, sure.

Parking tickets appear to be pretty easy to get off reports nowadays because they were not consumer credit transactions.

Offline PillanSmye

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Re: credit score
« Reply #3791 on: December 09, 2017, 03:11:05 PM »
Have a dispute with ADT security services.
they claim they will put my account up for collections, do they have the ability to damage my credit?
also, any data points how to get rid of their services without paying hefty cancellation fees?

Yes they can ruin your credit.

Find a way that they have violated their end of the contract and exploit that seam

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Re: credit score
« Reply #3792 on: December 09, 2017, 04:40:21 PM »
Have 2 Amex au & one chase au which reported on my cr. Theyíre affecting my age of credit & 5/24. What would be the fastest and easiest way to get them off? On the experian app there is an option to dispute, should I use that or thereís a faster / easier option.?

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Re: credit score
« Reply #3793 on: December 22, 2017, 02:05:34 PM »
Hi ik this might have been discussed already but I didnít see it. If I only pay the min due payment on my ihg card will it affect my credit score?

Offline JACKBLUE

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Re: credit score
« Reply #3794 on: December 22, 2017, 03:46:46 PM »
Hi ik this might have been discussed already but I didnít see it. If I only pay the min due payment on my ihg card will it affect my credit score?
no