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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 438628 times)

Offline CountValentine

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Re: credit score
« Reply #4320 on: April 24, 2020, 11:11:12 AM »
I got a 30 day late payment report on my credit report. I got the bank to take it off.  (I had car lease on auto pay and when I extended the lease, autopay wasnít activated properly ) How long should it take for the credit bureaus to take it off ?
If the bank took it off then why isn't off your credit report.
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline zalmy123

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Offline miles lover

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Re: credit score
« Reply #4322 on: April 25, 2020, 10:15:03 PM »
If the bank took it off then why isn't off your credit report.
Iím assuming the bank canít just take it off . They need to contact the credit bureaus and they need to take it off. The bank told me it can take up to 30 days for it to be removed by the bureaus. I was asking how long does it usually take.

Offline CountValentine

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Re: credit score
« Reply #4323 on: April 26, 2020, 08:59:13 AM »
Iím assuming the bank canít just take it off . They need to contact the credit bureaus and they need to take it off. The bank told me it can take up to 30 days for it to be removed by the bureaus. I was asking how long does it usually take.
The bank will just report it as current. Is it possible to get something in writing from the bank? You an just forward that to the credit bureaus.
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline Shlomo1

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Re: credit score
« Reply #4324 on: May 04, 2020, 07:26:06 PM »
I got a 30 day late payment report on my credit report. I got the bank to take it off.  (I had car lease on auto pay and when I extended the lease, autopay wasnít activated properly ) How long should it take for the credit bureaus to take it off ?

How'd you manage to remove it? I had the exact same issue and they weren't willing to budge unfortunately.

Offline miles lover

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Re: credit score
« Reply #4325 on: May 04, 2020, 08:14:50 PM »
How'd you manage to remove it? I had the exact same issue and they weren't willing to budge unfortunately.
You need a supervisor for starters. You may need to show how they were at fault. Up to you how you want to go about that. Did you extend by phone ? I extended by phone so I was ďmisleadĒ by my rep regarding auto payments.
 You can also try disputing it with the credit bureaus.
   (Btw it took about a week for it to be removed from my credit report.)

Offline Shlomo1

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Re: credit score
« Reply #4326 on: May 05, 2020, 11:49:45 AM »
You need a supervisor for starters. You may need to show how they were at fault. Up to you how you want to go about that. Did you extend by phone ? I extended by phone so I was ďmisleadĒ by my rep regarding auto payments.
 You can also try disputing it with the credit bureaus.
   (Btw it took about a week for it to be removed from my credit report.)

That's the thing. They weren't at fault obviously. And many have said they stopped with the whole forgiveness. Also lots mentioned just try Disputing on your credit report and they wont bother to fight it. Apparently they did. What method did you use- Phone, Mail,..?
Who was your Bank/ Leasing company? This was with Nissan. May make a difference

Offline miles lover

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Re: credit score
« Reply #4327 on: May 05, 2020, 02:31:04 PM »
That's the thing. They weren't at fault obviously. And many have said they stopped with the whole forgiveness. Also lots mentioned just try Disputing on your credit report and they wont bother to fight it. Apparently they did. What method did you use- Phone, Mail,..?
Who was your Bank/ Leasing company? This was with Nissan. May make a difference
  I used the old phone method and it was Honda financial.
 To me itís considered their fault, ( Were not talking Halacha here you know ) if they didnít specifically tell me, I need to setup auto pay again when I extend my lease. (Besides the fact Iím almost sure I told my rep to continue the auto pay which obviously never happened.)
  Are you a long time customer who never misses a payment ?  Try to get a supervisor who can have some pity. Itís a push of a button for them, you just need them to feel for you.

Offline ilherman

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Re: credit score
« Reply #4328 on: June 03, 2020, 06:49:58 PM »
I missed a payment on one of my Amex cards. (I dilinked an account which I rearly use and there was a $50 charge which I did not pay for 2 months)

I called Amex, they waived all the late fees and I paid off the balance. They said that they sent in a request to the credit bureaus to do a reaging so my report should not show the late payment.  My statement closes on the third of every month which is today. If they did the reaging request about a week ago will it be removed now? Or it takes some time? Also once its removed will my credit score go right back up? It dropped over 100 points for a stupid minor missed payment! 


You can say what you think when you think what you say.

Offline CountValentine

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Re: credit score
« Reply #4329 on: June 03, 2020, 09:38:47 PM »
Your score will reflect like it was never there in the first place.
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline ilherman

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Re: credit score
« Reply #4330 on: June 03, 2020, 10:01:20 PM »
Your score will reflect like it was never there in the first place.
Thank you!

Right away?

If my statement closes on the third of the month (today) when does it usually show up on the report?
You can say what you think when you think what you say.

Offline CountValentine

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Re: credit score
« Reply #4331 on: June 03, 2020, 10:10:05 PM »
Thank you!

Right away?

If my statement closes on the third of the month (today) when does it usually show up on the report?
Not sure.
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline TheDroid

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Re: credit score
« Reply #4332 on: June 04, 2020, 06:41:17 PM »
I missed a payment on one of my Amex cards. (I dilinked an account which I rearly use and there was a $50 charge which I did not pay for 2 months)


FWIW, if you missed 1 month it won't get reported yet.


If my statement closes on the third of the month (today) when does it usually show up on the report?

In practice, should be today. But it might take up to 30-90 days.
Are you in need of credit soon? If not just give it some time. Credit scores when not needing to take more credit is just bragging numbers.

Online ExGingi

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Re: credit score
« Reply #4333 on: June 07, 2020, 01:51:47 PM »
Wells Fargo now showing Experian FICO 9 score.

Showing about 17 points less than Experian.com FICO8 (though there is a 4 day difference between them).
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan

Offline CountValentine

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Re: credit score
« Reply #4334 on: June 07, 2020, 02:07:00 PM »
Wells Fargo now showing Experian FICO 9 score.
No change for daughter, holding at 800.
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch