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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 438630 times)

Offline davidrotts63

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Re: credit score
« Reply #4260 on: July 03, 2019, 06:19:40 PM »
Yes they have business scores.
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Offline CountValentine

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Re: credit score
« Reply #4261 on: July 03, 2019, 06:49:34 PM »
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Re: credit score
« Reply #4262 on: July 04, 2019, 01:20:05 AM »
Yes they have business scores.
True.

They don't factor your utilization the same way they do for your personal credit score. Higher than the bare minimum utilization can actually be a positive, as opposed to your personal credit score, where the rule of thumb is that for anything higher than absolutely 0%, the lower the better.
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Offline ShimshonK

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Re: credit score
« Reply #4263 on: July 04, 2019, 03:29:05 AM »
True.

They don't factor your utilization the same way they do for your personal credit score. Higher than the bare minimum utilization can actually be a positive, as opposed to your personal credit score, where the rule of thumb is that for anything higher than absolutely 0%, the lower the better.

Interesting, but how about carrying balances? And if the cards are sole proprietorships - it would affect for new sole proprietorship cards? How about if I had an LLC?

Offline meilich

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Re: credit score
« Reply #4264 on: July 04, 2019, 02:48:05 PM »
Would applying for a chase buisness card have a negative affect on getting approved for a mortgage 2 months later?

Offline ShimshonK

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Re: credit score
« Reply #4265 on: July 04, 2019, 08:50:32 PM »
Would applying for a chase buisness card have a negative affect on getting approved for a mortgage 2 months later?
I don't know, but it's certainly not worth the risk if you don't know.

Offline SwellCindy

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Re: credit score
« Reply #4266 on: August 12, 2019, 02:03:19 AM »
Can't figure this out, trying to access my real Fico score -

Creditwise from Capital One - seems to be the transunion vantage score 3.0 - rates my credit score as xxx, while Citibank says my Fico score is 60 points higher. American Express has a different one as well. Which one would I go by / would be the correct one? 
Any input is appreciated.

Thank you in advance.

Offline Ekay

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Re: credit score
« Reply #4267 on: August 12, 2019, 02:15:32 AM »
Had a score of 790  chase closed my ccs and it dropped to 717. I applied for two new cards and got approved. Once I start using these new cards how soon will my score go back up?

Offline stooges44

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Re: credit score
« Reply #4268 on: August 12, 2019, 07:27:47 PM »
Somehow I missed a car payment, other then the late fee, are there any other ramifications?
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Offline as2

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Re: credit score
« Reply #4269 on: August 12, 2019, 09:24:27 PM »
Somehow I missed a car payment, other then the late fee, are there any other ramifications?
You should be fine.
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Offline ludmila

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Re: credit score
« Reply #4270 on: August 13, 2019, 04:47:23 AM »
Can't figure this out, trying to access my real Fico score -

Creditwise from Capital One - seems to be the transunion vantage score 3.0 - rates my credit score as xxx, while Citibank says my Fico score is 60 points higher. American Express has a different one as well. Which one would I go by / would be the correct one? 
Any input is appreciated.

Thank you in advance.
Those Vantage 3.0 are always showing 60-70 points lower , I subscribe to Experian and it gives me all 3 CB scores, and then if i check chase credit journey, credit karma or others my score is way lower.
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Offline Shlomo1

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Re: credit score
« Reply #4271 on: August 29, 2019, 10:44:58 PM »
Im trying to figure out why my Credit Score is so low. I had a 3 year car lease in my name with a cosigner. And recently, approved for new lease in my name.Also, was Amex AU to an account in good standing for quite a few years. Shouldn't these have helped my score go up?

Offline Zalc

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Re: credit score
« Reply #4272 on: October 28, 2019, 03:53:22 PM »
Is there a way to get Barclays to remove a single 30-day late on an otherwise clean account?
The amount was quite small if that makes any difference (Autopay was set to the wrong bank account).

Do they do Goodwill letters?
« Last Edit: October 28, 2019, 03:59:07 PM by Zalc »

Offline chayal101

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Re: credit score
« Reply #4273 on: October 28, 2019, 04:18:24 PM »
Is there a way to get Barclays to remove a single 30-day late on an otherwise clean account?
The amount was quite small if that makes any difference (Autopay was set to the wrong bank account).

Do they do Goodwill letters?
How about just a phone call? If it's just a one-time thing, I'm sure they'll do a courtesy dissmissal, question is if it's showing up on your credit report, get it in writing from Barclay that they are removing the late payment.
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Offline Zalc

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Re: credit score
« Reply #4274 on: October 28, 2019, 06:07:47 PM »
How about just a phone call? If it's just a one-time thing, I'm sure they'll do a courtesy dissmissal, question is if it's showing up on your credit report, get it in writing from Barclay that they are removing the late payment.

Upon calling they suggested that I should try to write a goodwill letter to:
Quote
fcra credit bureau disputes
PO box 8803
wilmington delaware 19899

Is there a specific department that can help do this on the phone?