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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 »

Author Topic: credit score  (Read 780767 times)

Offline Yo ssi

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Re: credit score
« Reply #4480 on: July 30, 2023, 02:01:38 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 »
I am sometimes accused of overthinking things. I am still mulling over whether that accusation has merit.

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?

Online 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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