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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 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 »

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Author Topic: credit score  (Read 841235 times)

Offline Yo ssi

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Re: credit score
« Reply #4480 on: July 30, 2023, 02:01:38 AM »
Quote from: Thingywingy on July 28, 2023, 02:40:39 AM
“Pay your account balance off, besides for a buck or 2, the day before your statement closes. This will greatly increase your credit score.”

I have seen conflicting info on this. Do you need to do this for every card, just one, or just one from each bank? Also, is $2 enough or does it need to hit 1 PERCENT? Thanks.
https://forums.dansdeals.com/index.php?topic=49416
All the info is in the above thread. (Read wiki)
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Offline Thingywingy

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Re: credit score
« Reply #4481 on: August 11, 2023, 05:49:30 AM »
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Offline jc1234

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Re: credit score
« Reply #4482 on: February 18, 2024, 04:11:39 PM »
Anyone know the cheapest installment loan to build credit?
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Offline HudZ

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Re: credit score
« Reply #4483 on: February 20, 2024, 03:09:11 PM »
What's the best (and most accurate) company for creditscore? experian... Fico ?
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Offline rapsjr

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Re: credit score
« Reply #4484 on: April 11, 2024, 01:52:01 PM »
My credit score went down quite a bit recently. I haven't done anything other than open 2 new cards, and in the past it hasn't gone down this much from opening cards. Is this still in the normal range or something to worry about/look into? TIA

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Offline CountValentine

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Re: credit score
« Reply #4485 on: April 11, 2024, 02:12:54 PM »
Quote from: rapsjr on April 11, 2024, 01:52:01 PM
My credit score went down quite a bit recently. I haven't done anything other than open 2 new cards, and in the past it hasn't gone down this much from opening cards. Is this still in the normal range or something to worry about/look into? TIA


Is it a real FICO score?
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Offline CountValentine

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Re: credit score
« Reply #4486 on: April 11, 2024, 02:13:58 PM »
Quote from: HudZ on February 20, 2024, 03:09:11 PM
What's the best (and most accurate) company for creditscore? experian... Fico ?
TU, EQ or EX real FICO score.
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Offline rapsjr

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Re: credit score
« Reply #4487 on: April 11, 2024, 02:14:40 PM »
Quote from: CountValentine on April 11, 2024, 02:12:54 PM
Is it a real FICO score?
It's from Amex, I believe that is fico correct?
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Offline CountValentine

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Re: credit score
« Reply #4488 on: April 11, 2024, 02:25:13 PM »
Quote from: rapsjr on April 11, 2024, 02:14:40 PM
It's from Amex, I believe that is fico correct?
It should be FICO. You do get new inquires for new accounts so your score will drop from that and also drop from AAoA.
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Offline rapsjr

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Re: credit score
« Reply #4489 on: April 11, 2024, 02:28:21 PM »
Quote from: CountValentine on April 11, 2024, 02:25:13 PM
It should be FICO. You do get new inquires for new accounts so your score will drop from that and also drop from AAoA.
Dropping 36 points from 2 or 3 new inquiries is normal?
Sorry, what is AAoA?
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Offline CountValentine

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Re: credit score
« Reply #4490 on: April 11, 2024, 02:52:02 PM »
Everyone's credit file is different so there is no exact point drop.
AAoA - Average Age of Accounts
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Offline HudZ

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Re: credit score
« Reply #4491 on: April 11, 2024, 03:01:23 PM »
Quote from: rapsjr on April 11, 2024, 01:52:01 PM
My credit score went down quite a bit recently. I haven't done anything other than open 2 new cards, and in the past it hasn't gone down this much from opening cards. Is this still in the normal range or something to worry about/look into? TIA
In my experience of credit scores, it has gone down by like 30 points several times, either when I opened a new card, a credit increase, or a drastic spending  increase... Within a few weeks it always went back up to the original score or higher. I would definitely say it makes sense given the fact you're saying you just opened 3 credit cards...
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Offline rapsjr

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Re: credit score
« Reply #4492 on: April 11, 2024, 03:06:10 PM »
Quote from: HudZ on April 11, 2024, 03:01:23 PM
In my experience of credit scores, it has gone down by like 30 points several times, either when I opened a new card, a credit increase, or a drastic spending  increase... Within a few weeks it always went back up to the original score or higher. I would definitely say it makes sense given the fact you're saying you just opened 3 credit cards...
Alright, thank you for that info. I'll keep an eye on it.
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Offline CountValentine

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Re: credit score
« Reply #4493 on: April 11, 2024, 03:08:36 PM »
Quote from: HudZ on April 11, 2024, 03:01:23 PM
In my experience of credit scores, it has gone down by like 30 points several times, either when I opened a new card, a credit increase, or a drastic spending  increase... Within a few weeks it always went back up to the original score or higher. I would definitely say it makes sense given the fact you're saying you just opened 3 credit cards...
If it is from opening new cards it will take many months to recoup.
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Offline HudZ

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Re: credit score
« Reply #4494 on: April 11, 2024, 03:12:08 PM »
Quote from: CountValentine on April 11, 2024, 03:08:36 PM
If it is from opening new cards it will take many months to recoup.
Not necessarily. Also has a larger credit now, which can make his credit usage go down.
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Offline CountValentine

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Re: credit score
« Reply #4495 on: April 11, 2024, 03:17:37 PM »
Quote from: HudZ on April 11, 2024, 03:12:08 PM
Not necessarily. Also has a larger credit now, which can make his credit usage go down.
Paying off a balance will have a quick rebound. Inquires and AAoA is a different story.

FICO claims inquire lower your score 5 points or less.
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Offline HudZ

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Re: credit score
« Reply #4496 on: April 11, 2024, 03:20:40 PM »
Quote from: CountValentine on April 11, 2024, 03:17:37 PM
Paying off a balance will have a quick rebound. Inquires and AAoA is a different story.

FICO claims inquire lower your score 5 points or less.
I personally wouldn't worry abt it. Just keep an eye on it.
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Offline Yo ssi

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Re: credit score
« Reply #4497 on: April 11, 2024, 11:05:58 PM »
Quote from: CountValentine on April 11, 2024, 03:08:36 PM
If it is from opening new cards it will take many months to recoup.
Yes and no IME
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Offline CountValentine

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Re: credit score
« Reply #4498 on: April 12, 2024, 12:29:09 AM »
Quote from: Yo ssi on April 11, 2024, 11:05:58 PM
Yes and no IME
There are so many variables that make up credit scores it is hard to tell what made it go up or down.
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Offline HudZ

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Re: credit score
« Reply #4499 on: April 12, 2024, 12:46:50 AM »
Quote from: CountValentine on April 12, 2024, 12:29:09 AM
There are so many variables that make up credit scores it is hard to tell what made it go up or down.
Chase (powered by Experian) will generally tell you the overall reason(s) why your credit score went down.
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