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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 810891 times)

Offline pixi

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Re: credit score
« Reply #600 on: February 15, 2015, 08:45:17 PM »
Read upthread. Might not be super fast and easy but you should be able to dispute it.
Through the credit bureau?  I called them and they said that I have to call the company who pulled it and they haveta remove it.
money doesn't talk......      it SCREAMS !

Offline benjie1305

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Re: credit score
« Reply #601 on: February 15, 2015, 08:54:07 PM »

Through the credit bureau?  I called them and they said that I have to call the company who pulled it and they haveta remove it.

Read number 5 for example:

http://www.creditcards.com/credit-card-news/how-to-dispute-unauthorized-credit-report-inquiries-1270.php
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Offline Hershelsdeals

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Re: credit score
« Reply #602 on: February 20, 2015, 09:39:18 AM »
Does it really make a difference if I freeze experian when trying to space out my inquiries, or when reviewing my credit, banks can see all the recently opened accounts anyway, which seems to make a bigger difference than inquiries, am I wrong or is there really a Difference?

Offline rots5

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Re: credit score
« Reply #603 on: February 20, 2015, 09:56:08 AM »
How long does it take for a 90 day late payment to go off my credit score? i am a yr out of this being resolved, but still showing up on my credit report
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Offline benjie1305

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Re: credit score
« Reply #604 on: February 20, 2015, 10:02:03 AM »
How long does it take for a 90 day late payment to go off my credit score? i am a yr out of this being resolved, but still showing up on my credit report

Source: Credit.com

"It’s a whole new ballgame once you have a 90 day late payment, however. If you have been over 90 days late (even just once), the credit scoring models consider you much more likely to do it again. One 90 day late payment will damage your credit for up to seven years. From a scoring perspective, a single 90 day late payment is as damaging to your credit scores as a bankruptcy filing, a tax lien, a collection, a judgment or repossession. Being 90 days late causes you to be viewed as a possible “repeat offender” and a higher risk to creditors. Here’s a summary of how late payments impact your credit scores"

"90 days late – This record will damage your credit scores significantly for up to 7 years. It doesn’t make a difference whether or not your account is currently 90 days late. Remember, the goal of the scoring model is to predict whether or not you will pay 90 days late or later on any credit obligation. By showing that you have already done so means that you are more likely to do it again compared to someone who has never been 90 days late. As such, your credit scores will drop."
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Offline rots5

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Re: credit score
« Reply #605 on: February 20, 2015, 10:15:13 AM »
Source: Credit.com

"It’s a whole new ballgame once you have a 90 day late payment, however. If you have been over 90 days late (even just once), the credit scoring models consider you much more likely to do it again. One 90 day late payment will damage your credit for up to seven years. From a scoring perspective, a single 90 day late payment is as damaging to your credit scores as a bankruptcy filing, a tax lien, a collection, a judgment or repossession. Being 90 days late causes you to be viewed as a possible “repeat offender” and a higher risk to creditors. Here’s a summary of how late payments impact your credit scores"

"90 days late – This record will damage your credit scores significantly for up to 7 years. It doesn’t make a difference whether or not your account is currently 90 days late. Remember, the goal of the scoring model is to predict whether or not you will pay 90 days late or later on any credit obligation. By showing that you have already done so means that you are more likely to do it again compared to someone who has never been 90 days late. As such, your credit scores will drop."

****!!

Not normal, TD bank royally screwed up and they never finished taking care of this. I just hung up from disputes with experian, they see that last feb i called in fraud but td bank never followed up, shmucks! i hate td ever since they took over commerce.
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Offline benjie1305

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Re: credit score
« Reply #606 on: February 20, 2015, 10:17:05 AM »
****!!

Not normal, TD bank royally screwed up and they never finished taking care of this. I just hung up from disputes with experian, they see that last feb i called in fraud but td bank never followed up, shmucks! i hate td ever since they took over commerce.

Sounds like the best game plan , if this actually wasn't your fault, is to fight fight fight until the CB takes it off.
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Offline rots5

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Re: credit score
« Reply #607 on: February 20, 2015, 11:05:12 AM »
Sounds like the best game plan , if this actually wasn't your fault, is to fight fight fight until the CB takes it off.
Yups,

Exactly. It wasnt, i had fraud on my cc. Transunion and equifax already supposedly took it off, now i highly doubt they did. my score is way to low at this point at 699
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Offline casualchurner

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Re: credit score
« Reply #608 on: February 20, 2015, 12:02:10 PM »
Just got approved for Citi AA Plat Select. Pulled a 791 from EX!!
The brief report listed "a couple of factors adversely affecting your score". One was: "Too many credit inquiries in the past 12 months.  :D LOL yup that's definitely me!

Offline caliheat

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Re: credit score
« Reply #609 on: February 20, 2015, 12:16:57 PM »
Let's just say that scores don't mean much at all.
I have TU-719 EX-699 EQ-717
This goes along with 10+ adverse accounts including a 26K charge off from citi in 2009. reporting balance as of 1/2015.
Ergo - score = BS

Offline casualchurner

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Re: credit score
« Reply #610 on: February 20, 2015, 12:22:38 PM »
Let's just say that scores don't mean much at all.
I have TU-719 EX-699 EQ-717
This goes along with 10+ adverse accounts including a 26K charge off from citi in 2009. reporting balance as of 1/2015.
Ergo - score = BS
Wow impressive resume  :P

Offline caliheat

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Re: credit score
« Reply #611 on: February 20, 2015, 12:24:34 PM »
Wow impressive resume  :P
Although, I did get approved for in the past 6 months:
Amex: Personal Plat, PRG, Starwood & DL Plat
Barclay: US, Arrival+, M&M

Offline TimT

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Re: credit score
« Reply #612 on: February 20, 2015, 12:27:45 PM »
Although, I did get approved for in the past 6 months:
Amex: Personal Plat, PRG, Starwood & DL Plat
Barclay: US, Arrival+, M&M
Do you have much luck with chase with that resume ?

Offline caliheat

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Re: credit score
« Reply #613 on: February 20, 2015, 12:45:49 PM »
Do you have much luck with chase with that resume ?
I settled an account with Chase and 1 collection resulting from a chase card, so that's no go after many tries.
Although they told me on my last HUCA that reason for denial is due to 26K account.
Major charge off's (3) primarily with citi and 1 with BofA

Offline caliheat

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Re: credit score
« Reply #614 on: February 23, 2015, 11:23:57 AM »
On a separate note.
I monitor my bosses credit with MyFico.com and when his utilization went from 70% to 130%, his scores dropped anywhere from 15 to 26 points!


Offline TimT

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Re: credit score
« Reply #615 on: February 23, 2015, 11:29:25 AM »
On a separate note.
I monitor my bosses credit with MyFico.com and when his utilization went from 70% to 130%, his scores dropped anywhere from 15 to 26 points!
Up until 70% it doesn't drop ?

Offline caliheat

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Re: credit score
« Reply #616 on: February 23, 2015, 11:34:21 AM »
Up until 70% it doesn't drop ?
I'm sure it did, but I wasn't monitoring until recently.
Just an FYI regarding the huge drop for utilization increase.

Offline TimT

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Re: credit score
« Reply #617 on: February 23, 2015, 11:36:19 AM »
I'm sure it did, but I wasn't monitoring until recently.
Just an FYI regarding the huge drop for utilization increase.
Was that on 1 card or across everything ?

Offline caliheat

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Re: credit score
« Reply #618 on: February 23, 2015, 11:41:57 AM »
Was that on 1 card or across everything ?
I believe it was for the 1 card that went severely over the limit.
EQ - 15 points
EX - 26 points
TU - nothing so far

Offline rs242

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Re: credit score
« Reply #619 on: February 24, 2015, 06:22:59 PM »
question i saw something on my credit report that i wanted to dispute do i need to dispute on all 3 reports or only one and good for all 3?