Topic Wiki

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 610668 times)

Offline chaim41

  • DansDeals Copper Elite
  • *
  • Join Date: Jan 2021
  • Posts: 9
  • Total likes: 1
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: IL
Re: credit score
« Reply #4400 on: October 13, 2021, 02:46:50 PM »
Call and ask for a one time curtesy credit. Don't give them a long story. Just say you messed up and ask for the credit.

Thank you.

Offline NYHeel

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Jun 2014
  • Posts: 324
  • Total likes: 2
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: United States
Re: credit score
« Reply #4401 on: October 13, 2021, 04:55:32 PM »
Thank you all!
Is it possible to get the late payment fee of 29.00 reversed?
First late payment and I've had the card for a few years
They'll give it to you. I've missed a few payments by the due date because I thought I had auto-pay turned on and as long as you don't ask for a credit more than once a year they'll give it to you. They should refund the late fee plus any interest that accrued.

One time I called a card company (can't remember which one) and their automated system actually let me ask them to waive the fee and then the automated system approved it. It was the most seamless and best credit card company call I've ever had.

Offline yesitsme

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Dec 2014
  • Posts: 4884
  • Total likes: 2116
  • DansDeals.com Hat Tips 4
  • Gender: Male
    • View Profile
Re: credit score
« Reply #4402 on: October 13, 2021, 07:14:35 PM »
Call and ask for a one time curtesy credit. Don't give them a long story. Just say you messed up and ask for the credit.
Works I did it many times over the years
["-"]

Offline Fish Tank

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Feb 2012
  • Posts: 795
  • Total likes: 100
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: NJ
Re: credit score
« Reply #4403 on: October 24, 2021, 09:44:12 PM »
My credit score is 791. The missing factor is "only credit cards listed. Not a good mix of credit".

Does it makes sense to take out a $1000 payday loan (or any other type of installment loan) in order to boost my score?
If yes, any recommendation for which lender to use?


Offline CountValentine

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Mar 2013
  • Posts: 13418
  • Total likes: 5527
  • DansDeals.com Hat Tips -1
  • Gender: Female
    • View Profile
  • Location: Poland - Exiled
  • Programs: DAOTYA, DDF Level 3, 5K Lounge
Re: credit score
« Reply #4404 on: October 24, 2021, 09:45:23 PM »
My credit score is 791. The missing factor is "only credit cards listed. Not a good mix of credit".

Does it makes sense to take out a $1000 payday loan (or any other type of installment loan) in order to boost my score?
If yes, any recommendation for which lender to use?
No
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline Fish Tank

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Feb 2012
  • Posts: 795
  • Total likes: 100
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: NJ
Re: credit score
« Reply #4405 on: October 24, 2021, 09:46:29 PM »
No
Can you explain? Any other ideas for getting another type of loan to boost my score?

Offline yesitsme

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Dec 2014
  • Posts: 4884
  • Total likes: 2116
  • DansDeals.com Hat Tips 4
  • Gender: Male
    • View Profile
Re: credit score
« Reply #4406 on: October 24, 2021, 09:51:03 PM »
My credit score is 791. The missing factor is "only credit cards listed. Not a good mix of credit".

Does it makes sense to take out a $1000 payday loan (or any other type of installment loan) in order to boost my score?
If yes, any recommendation for which lender to use?


791 is a great score why do you think you need something better?

Offline Yo ssi

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Aug 2019
  • Posts: 5259
  • Total likes: 1863
  • DansDeals.com Hat Tips 53
  • Gender: Male
    • View Profile
Re: credit score
« Reply #4407 on: October 24, 2021, 10:08:28 PM »
_    ,
' )  /
 /  / __   _   _   o
(__/_(_)  /_)_/_)_<_
 //
(/

Offline CountValentine

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Mar 2013
  • Posts: 13418
  • Total likes: 5527
  • DansDeals.com Hat Tips -1
  • Gender: Female
    • View Profile
  • Location: Poland - Exiled
  • Programs: DAOTYA, DDF Level 3, 5K Lounge
Re: credit score
« Reply #4408 on: October 24, 2021, 10:13:23 PM »
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline Yo ssi

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Aug 2019
  • Posts: 5259
  • Total likes: 1863
  • DansDeals.com Hat Tips 53
  • Gender: Male
    • View Profile
Re: credit score
« Reply #4409 on: October 24, 2021, 10:18:16 PM »
Blast from the past but it works.
Just a year ago we were discussing it :)
_    ,
' )  /
 /  / __   _   _   o
(__/_(_)  /_)_/_)_<_
 //
(/

Offline CountValentine

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Mar 2013
  • Posts: 13418
  • Total likes: 5527
  • DansDeals.com Hat Tips -1
  • Gender: Female
    • View Profile
  • Location: Poland - Exiled
  • Programs: DAOTYA, DDF Level 3, 5K Lounge
Re: credit score
« Reply #4410 on: October 24, 2021, 10:27:48 PM »
ChaimMoskowitz
Dansdeals Lifetime Presidential Platinum Elite
$2 trick to increase FICO score.
on: February 02, 2015, 07:21:52 AM
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline Yo ssi

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Aug 2019
  • Posts: 5259
  • Total likes: 1863
  • DansDeals.com Hat Tips 53
  • Gender: Male
    • View Profile
Re: credit score
« Reply #4411 on: October 24, 2021, 10:29:33 PM »
ChaimMoskowitz
Dansdeals Lifetime Presidential Platinum Elite
$2 trick to increase FICO score.
on: February 02, 2015, 07:21:52 AM
Yup, the only trick Chaim Moskowitz left standing!
_    ,
' )  /
 /  / __   _   _   o
(__/_(_)  /_)_/_)_<_
 //
(/

Offline CountValentine

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Mar 2013
  • Posts: 13418
  • Total likes: 5527
  • DansDeals.com Hat Tips -1
  • Gender: Female
    • View Profile
  • Location: Poland - Exiled
  • Programs: DAOTYA, DDF Level 3, 5K Lounge
Re: credit score
« Reply #4412 on: October 24, 2021, 10:32:35 PM »
UPS method is dead?  :)
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline Yo ssi

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Aug 2019
  • Posts: 5259
  • Total likes: 1863
  • DansDeals.com Hat Tips 53
  • Gender: Male
    • View Profile
Re: credit score
« Reply #4413 on: October 24, 2021, 10:33:07 PM »
UPS method is dead?  :)
How did I know you'd mention it? ;D
_    ,
' )  /
 /  / __   _   _   o
(__/_(_)  /_)_/_)_<_
 //
(/

Offline Fish Tank

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Feb 2012
  • Posts: 795
  • Total likes: 100
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: NJ
Re: credit score
« Reply #4414 on: October 24, 2021, 10:45:21 PM »
https://forums.dansdeals.com/index.php?topic=49416
Ty
I already do that ,which is why my score is 791.

Like I said, the missing component for reaching an even higher score is a mix of credit line types.

Offline Yo ssi

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Aug 2019
  • Posts: 5259
  • Total likes: 1863
  • DansDeals.com Hat Tips 53
  • Gender: Male
    • View Profile
Re: credit score
« Reply #4415 on: October 24, 2021, 10:59:59 PM »
Ty
I already do that ,which is why my score is 791.

Like I said, the missing component for reaching an even higher score is a mix of credit line types.
What's your effective goal?
_    ,
' )  /
 /  / __   _   _   o
(__/_(_)  /_)_/_)_<_
 //
(/

Offline Fish Tank

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Feb 2012
  • Posts: 795
  • Total likes: 100
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: NJ
Re: credit score
« Reply #4416 on: October 25, 2021, 08:20:38 PM »
What's your effective goal?
Getting an even better mortgage rate than a 791 would get.

Offline CountValentine

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Mar 2013
  • Posts: 13418
  • Total likes: 5527
  • DansDeals.com Hat Tips -1
  • Gender: Female
    • View Profile
  • Location: Poland - Exiled
  • Programs: DAOTYA, DDF Level 3, 5K Lounge
Re: credit score
« Reply #4417 on: October 25, 2021, 08:33:39 PM »
Getting an even better mortgage rate than a 791 would get.
Is that how it works? 800 will get a better rate than 791?
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline yesitsme

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Dec 2014
  • Posts: 4884
  • Total likes: 2116
  • DansDeals.com Hat Tips 4
  • Gender: Male
    • View Profile
Re: credit score
« Reply #4418 on: October 25, 2021, 08:34:53 PM »
Is that how it works? 800 will get a better rate than 791?
I don't believe so
["-"]

Offline CountValentine

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Mar 2013
  • Posts: 13418
  • Total likes: 5527
  • DansDeals.com Hat Tips -1
  • Gender: Female
    • View Profile
  • Location: Poland - Exiled
  • Programs: DAOTYA, DDF Level 3, 5K Lounge
Re: credit score
« Reply #4419 on: October 25, 2021, 08:37:51 PM »
I don't believe so
I didn't think so but it has been a few years since I bought a house.
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch