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 809948 times)

Offline tjak

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Apr 2014
  • Posts: 550
  • Total likes: 25
  • DansDeals.com Hat Tips 4
    • View Profile
Re: credit score
« Reply #560 on: February 08, 2015, 09:53:08 AM »

I would go for an Amex. My brother was an AU on my account for 3 months and applied for 3 Amex and got approved to all.
He had no other starter cards?

Offline Super Speed

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Jul 2013
  • Posts: 4849
  • Total likes: 50
  • DansDeals.com Hat Tips 4
  • Gender: Male
    • View Profile
  • Programs: SPG Gold, Hilton Gold, Hyatt Platinum, Marriott Gold, Hertz Presidents Circle, Avis First, National Executive Elite, Sixt Platinum.
Re: credit score
« Reply #561 on: February 08, 2015, 01:26:08 PM »
He had no other starter cards?
Nope

Offline mawmaw

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Jun 2013
  • Posts: 1252
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
Re: credit score
« Reply #562 on: February 08, 2015, 01:31:36 PM »
I would go for an Amex. My brother was an AU on my account for 3 months and applied for 3 Amex and got approved to all.
+1 but to be safe i would wait 6 month FICO scores counts only after 6 month of credit worthiness and one of the big factors for amex is FICO score AFAIK CMIIW

Offline @Yehuda

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Oct 2013
  • Posts: 9693
  • Total likes: 187
  • DansDeals.com Hat Tips 5
  • Gender: Male
    • View Profile
Re: credit score
« Reply #563 on: February 08, 2015, 03:31:46 PM »
How does utilization ratio work for a charge card?

Offline EJB

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Sep 2012
  • Posts: 5409
  • Total likes: 254
  • DansDeals.com Hat Tips 15
    • View Profile
Re: credit score
« Reply #564 on: February 08, 2015, 03:33:40 PM »
How does utilization ratio work for a charge card?

Depends on bank

Offline mendy613

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Apr 2013
  • Posts: 871
  • Total likes: 19
  • DansDeals.com Hat Tips 3
    • View Profile
  • Location: Brooklyn
Re: credit score
« Reply #565 on: February 08, 2015, 04:27:18 PM »
Got it, thanks!

They still see the accounts

Offline @Yehuda

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Oct 2013
  • Posts: 9693
  • Total likes: 187
  • DansDeals.com Hat Tips 5
  • Gender: Male
    • View Profile
Re: credit score
« Reply #566 on: February 08, 2015, 04:27:25 PM »

Offline nobiggy

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Dec 2012
  • Posts: 2341
  • Total likes: 14
  • DansDeals.com Hat Tips 7
    • View Profile
  • Location: forums
Re: credit score
« Reply #567 on: February 08, 2015, 05:58:32 PM »

Offline noturbizniss

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2012
  • Posts: 7116
  • Total likes: 140
  • DansDeals.com Hat Tips 4
  • Gender: Male
    • View Profile
  • Location: North Jersey
Re: credit score
« Reply #568 on: February 08, 2015, 11:21:04 PM »
Amex?
I believe availabile CL = highest reported balance
READ THE DARN WIKI!!!!

Chuck Norris...
...can still do FT method
...READS THE WIKI!!!

Offline benjie1305

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2013
  • Posts: 5844
  • Total likes: 17
  • DansDeals.com Hat Tips 15
  • Gender: Male
    • View Profile
  • Location: NY Area
Re: credit score
« Reply #569 on: February 09, 2015, 09:19:36 AM »
Amex?

I believe availabile CL = highest reported balance

"..Amex does not report the actual payment amount. If you keep your balances low and you pay them off before the end of the cycle, your MS will go completely unnoticed on the credit report.." [Quote from doctor of credit]
Work hard, Play harder!

Offline mawmaw

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Jun 2013
  • Posts: 1252
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
Re: credit score
« Reply #570 on: February 09, 2015, 10:02:00 AM »
"..Amex does not report the actual payment amount. If you keep your balances low and you pay them off before the end of the cycle, your MS will go completely unnoticed on the credit report.." [Quote from doctor of credit]
??? please read before trooling

Offline moen

  • Dansdeals Silver Elite
  • **
  • Join Date: Oct 2014
  • Posts: 78
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: jerusalem
Re: credit score
« Reply #571 on: February 10, 2015, 02:51:34 PM »
My free FICO score from Barclays dropped from 748 to 726 this month. I got my TU report and it came up with 766 any ideas??????

Offline benjie1305

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2013
  • Posts: 5844
  • Total likes: 17
  • DansDeals.com Hat Tips 15
  • Gender: Male
    • View Profile
  • Location: NY Area
Re: credit score
« Reply #572 on: February 10, 2015, 02:52:54 PM »
??? please read before trooling

Not sure what you mean by that. Do you know otherwise? And if so, with sources?
Work hard, Play harder!

Offline avromie7

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Feb 2014
  • Posts: 8188
  • Total likes: 2713
  • DansDeals.com Hat Tips 6
    • View Profile
  • Location: Lakewood
Re: credit score
« Reply #573 on: February 10, 2015, 03:34:21 PM »
My free FICO score from Barclays dropped from 748 to 726 this month. I got my TU report and it came up with 766 any ideas??????
barclay uses a different model FICO but i am surprised there would be such a difference
I wonder what people who type "u" instead of "you" do with all their free time.

Offline tjak

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Apr 2014
  • Posts: 550
  • Total likes: 25
  • DansDeals.com Hat Tips 4
    • View Profile
Re: credit score
« Reply #574 on: February 10, 2015, 03:37:32 PM »

barclay uses a different model FICO but i am surprised there would be such a difference
So what makes their score a real fico score?

Offline avromie7

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Feb 2014
  • Posts: 8188
  • Total likes: 2713
  • DansDeals.com Hat Tips 6
    • View Profile
  • Location: Lakewood
Re: credit score
« Reply #575 on: February 10, 2015, 03:39:22 PM »
So what makes their score a real fico score?
there are different models.
Just because most banks don't use that model doesn't make it not FICO.
Sorry i can't explain it better
I wonder what people who type "u" instead of "you" do with all their free time.

Offline tjak

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Apr 2014
  • Posts: 550
  • Total likes: 25
  • DansDeals.com Hat Tips 4
    • View Profile
Re: credit score
« Reply #576 on: February 10, 2015, 03:48:22 PM »

Sorry i can't explain it better
Thanks for trying, ill google it when I'm bored.

Offline avromie7

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Feb 2014
  • Posts: 8188
  • Total likes: 2713
  • DansDeals.com Hat Tips 6
    • View Profile
  • Location: Lakewood
Re: credit score
« Reply #577 on: February 10, 2015, 03:49:11 PM »
Thanks for trying, ill google it when I'm bored.
check DDMS there have been posts about it in the the past IIRC
I wonder what people who type "u" instead of "you" do with all their free time.

Offline moen

  • Dansdeals Silver Elite
  • **
  • Join Date: Oct 2014
  • Posts: 78
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: jerusalem
Re: credit score
« Reply #578 on: February 10, 2015, 03:56:17 PM »
there are different models.
Just because most banks don't use that model doesn't make it not FICO.
Sorry i can't explain it better
What about the huge drop? 748-726 I had some high closing balances but is that enough to do it? Also big difference between FICO from barclays 726 and TU 766?????

Online TimT

  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • ********
  • Join Date: Dec 2013
  • Posts: 22077
  • Total likes: 7130
  • DansDeals.com Hat Tips 12
    • View Profile
Re: credit score
« Reply #579 on: February 10, 2015, 03:57:56 PM »
What about the huge drop? 748-726 I had some high closing balances but is that enough to do it?
yes