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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 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 ExGingi on March 04, 2019, 09:04:57 PM »

Author Topic: credit score  (Read 446305 times)

Offline Luvisrael

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Re: credit score
« Reply #4245 on: June 20, 2019, 09:27:17 PM »
Put a little spend on a few of your cards. Request CL increase to lower utilization.
does CL increase require any soft pull?

Offline CountValentine

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Re: credit score
« Reply #4246 on: June 20, 2019, 10:22:16 PM »
does CL increase require any soft pull?
Could be soft, hard or no pull depending on the issuer.
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline Luvisrael

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Re: credit score
« Reply #4247 on: June 20, 2019, 11:06:06 PM »
Could be soft, hard or no pull depending on the issuer.
amex Chase Barclays

Offline Luvisrael

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Re: credit score
« Reply #4248 on: June 25, 2019, 02:34:19 PM »
Put a little spend on a few of your cards. Request CL increase to lower utilization.
i have multiple card with the same bank. Is it better to do this on all of them or is it enough to do on 1 of each bank.

Offline happyfeet180

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Re: credit score
« Reply #4249 on: June 26, 2019, 04:33:04 PM »
Any way to get a good mileage card from Chase or Amex if credit score is only fair?
Are there any worthwhile mileage cards for fair credit?

Offline Luvisrael

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Re: credit score
« Reply #4250 on: June 26, 2019, 06:45:11 PM »
Put a little spend on a few of your cards. Request CL increase to lower utilization.
is there a ''magical'' number to spend, or just keep it under 30%?

Offline jacobs

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Re: credit score
« Reply #4251 on: June 26, 2019, 10:22:14 PM »
is there a ''magical'' number to spend, or just keep it under 30%?

The lower the percentage, the better. As long as itís not 0%, youíre good. As far as Iím aware 1% utilization is great. (Paying off most of your bill prior to statement closing can help bring down utilization.)

Offline Luvisrael

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Re: credit score
« Reply #4252 on: June 26, 2019, 10:54:14 PM »
The lower the percentage, the better. As long as itís not 0%, youíre good. As far as Iím aware 1% utilization is great. (Paying off most of your bill prior to statement closing can help bring down utilization.)
so if Iím doing less than 0.01 Iím wasting my time?

Offline jacobs

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Re: credit score
« Reply #4253 on: June 26, 2019, 11:08:44 PM »
so if Iím doing less than 0.01 Iím wasting my time?

I believe anything above 0% is ok.

Offline Luvisrael

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Re: credit score
« Reply #4254 on: June 26, 2019, 11:27:27 PM »
I believe anything above 0% is ok.
im asking if I need to spend above zero to boost my utilization

Offline jacobs

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Re: credit score
« Reply #4255 on: June 27, 2019, 08:02:05 AM »
im asking if I need to spend above zero to boost my utilization


If you are spending 0, there is no utilization.

Offline Luvisrael

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Re: credit score
« Reply #4256 on: June 27, 2019, 08:09:51 AM »

If you are spending 0, there is no utilization.
percent

Offline as2

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Re: credit score
« Reply #4257 on: June 28, 2019, 04:15:42 PM »
It's recommended to keep it below 15%. Ideally, keep it at 1% if possible.
Memories last forever, make them while you can.

Offline ShimshonK

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Re: credit score
« Reply #4258 on: July 03, 2019, 01:37:40 PM »
I have a question regarding business credit score.
I'm considering utilizing the intro 0% purchase apr on my Chase Business Ink Cash and Unlimited cards, and carrying balances of a few thousand dollars.
I have a great (personal) credit score and a high amount of credit.
The business cards are sole proprietorships.
Dan always writes how great it is to utilize these 0% intro offers, since (assuming you pay the minimum) there's no affect to your personal credit score.
I'm wondering if internally they have a business credit score that I may be hurting by carrying balances, and if so whether it is the same since it's a sole proprietorship business.
Thanks!

Offline CountValentine

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Re: credit score
« Reply #4259 on: July 03, 2019, 06:16:47 PM »
Yes they have business scores.
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch