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 566535 times)

Offline yesitsme

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Offline pointer

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Re: credit score
« Reply #4421 on: October 25, 2021, 09:21:30 PM »
Getting an even better mortgage rate than a 791 would get.
won’t make a difference.

Offline JACKBLUE

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Re: credit score
« Reply #4422 on: October 25, 2021, 11:46:04 PM »
won’t make a difference.
+1. Anything above 780 won’t make a difference.

Offline srap

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Re: credit score
« Reply #4423 on: October 27, 2021, 08:09:20 PM »
Any suggestions on how to bypass the automated menu for the three credit agencies?  The wiki is not up-to-date re phone numbers for Experian or how to bypass.  TIA.

Offline lcm

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Re: credit score
« Reply #4424 on: October 28, 2021, 01:57:54 AM »
Any suggestions on how to bypass the automated menu for the three credit agencies?  The wiki is not up-to-date re phone numbers for Experian or how to bypass.  TIA.
0#0#0# helps on some systems, not all.
I don't don't about specifically here.

Offline srap

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Re: credit score
« Reply #4425 on: October 28, 2021, 04:47:32 AM »
0#0#0# helps on some systems, not all.
I don't don't about specifically here.
That is my goto hack.  Didn't work on these menus.

Offline Aussie

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Re: credit score
« Reply #4426 on: January 25, 2022, 11:39:50 PM »
Hey all. Have an Aviator Business card from Barclay. I mistakenly haven't paid it for about 6 months (Thought I was on autopay, don't ask). Today I get a letter saying that they are willing to settle at a 60% discount. My question to you guys is will it report on my personal credit as a settlement? It has not reported as late until now! Anyone know?

Offline Lev26

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Re: credit score
« Reply #4427 on: April 11, 2022, 11:38:47 PM »
Is the wiki updated? My Citi Custom Cash gives me free monthly fico (bankcard 08) scores from Equifax, and I think its the same case with all Citi branded cards.
I'm new, but not THAT new. I've been reading awhile...

Offline HoKo

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Re: credit score
« Reply #4428 on: April 12, 2022, 11:30:57 AM »
Hey all. Have an Aviator Business card from Barclay. I mistakenly haven't paid it for about 6 months (Thought I was on autopay, don't ask). Today I get a letter saying that they are willing to settle at a 60% discount. My question to you guys is will it report on my personal credit as a settlement? It has not reported as late until now! Anyone know?

What did you end up doing here/what was the outcome?

Online Yo ssi

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Re: credit score
« Reply #4429 on: April 12, 2022, 10:13:32 PM »
Is the wiki updated?
Towards the bottom of every wiki it says the last edited date.


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Offline Lev26

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Re: credit score
« Reply #4430 on: April 12, 2022, 10:39:31 PM »
So basically its not current, only as of march 2019. Should I edit?
I'm new, but not THAT new. I've been reading awhile...

Online Yo ssi

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Re: credit score
« Reply #4431 on: April 13, 2022, 12:18:05 AM »
So basically its not current, only as of march 2019. Should I edit?
Sure! The wikis are manned by the community, all updates are appreciated.
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Offline Lev26

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Re: credit score
« Reply #4432 on: April 13, 2022, 02:30:22 AM »
Done. But I did'nt check on the status of the other cards listed if they're still included...
I'm new, but not THAT new. I've been reading awhile...

Offline Willie

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Re: credit score
« Reply #4433 on: April 28, 2022, 11:54:11 AM »
hey im sure this has been posted in the past but cant find it, dan posted 3 websites that u can get credit score and report without pull on, anyone can point me in their direction?

Offline AsherO

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Re: credit score
« Reply #4434 on: April 28, 2022, 11:58:03 AM »
hey im sure this has been posted in the past but cant find it, dan posted 3 websites that u can get credit score and report without pull on, anyone can point me in their direction?

Without pull on? Getting your own score never triggers a hard-pull

Offline ydf

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Re: credit score
« Reply #4435 on: May 05, 2022, 04:52:48 PM »
I missed a amex payment with 4 days after due date
First time I missed a payment

Will it be reported to my credit report?
« Last Edit: May 05, 2022, 04:58:44 PM by ydf »

Offline Spoon

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Re: credit score
« Reply #4436 on: May 05, 2022, 05:50:08 PM »
I missed a amex payment with 4 days after due date
First time I missed a payment

Will it be reported to my credit report?

Not reported unless it's 30 days late

Offline AsherO

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Re: credit score
« Reply #4437 on: May 05, 2022, 07:36:50 PM »
I missed a amex payment with 4 days after due date
First time I missed a payment

Will it be reported to my credit report?

You’re safe. You’ll likely get hit with a late fee and if you have a long history of on-time payments with this card (or issuer) they’ll oftentimes waive it as a one-time courtesy.

Online stooges44

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Re: credit score
« Reply #4438 on: July 03, 2022, 10:19:54 AM »
I had a fraud charge of 16K from united airlines on my card, I reported it etc.. but in the interim the statement closed with a 15K balance!

Should I be worried?
If it's not free shipping it's not worth it.