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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 1121472 times)

Offline Explorer1

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Re: credit score
« Reply #4520 on: May 19, 2025, 01:21:33 PM »
Hi, I have a chase ink that the auto pay went off do to closing of account that the payment was coming from and was reported to the credit report after being 60 days late anyone have any ideas how to go about this? Anyway to have it removed?
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Offline CountValentine

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Re: credit score
« Reply #4521 on: May 19, 2025, 01:35:56 PM »
Quote from: Explorer1 on May 19, 2025, 01:21:33 PM
Hi, I have a chase ink that the auto pay went off do to closing of account that the payment was coming from and was reported to the credit report after being 60 days late anyone have any ideas how to go about this? Anyway to have it removed?
Write a good will letter to Chase (Google is your friend).
Just explain "you" messed up and ask as a one-time curtesy would they remove it from your CR.
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Offline Explorer1

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Re: credit score
« Reply #4522 on: May 19, 2025, 02:07:51 PM »
Quote from: CountValentine on May 19, 2025, 01:35:56 PM
Write a good will letter to Chase (Google is your friend).
Just explain "you" messed up and ask as a one-time curtesy would they remove it from your CR.
Would it work better then on the phone? I tried talking to them no one to talk to
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Offline CountValentine

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Re: credit score
« Reply #4523 on: May 19, 2025, 02:09:05 PM »
Quote from: Explorer1 on May 19, 2025, 02:07:51 PM
Would it work better then on the phone? I tried talking to them no one to talk to
Yes and sending to the right department. Hopefully Google helps with that.
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Re: credit score
« Reply #4524 on: May 19, 2025, 02:17:25 PM »
OK thanks
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