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 809765 times)

Online 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 #700 on: May 17, 2015, 09:49:43 PM »
How can I get a copy of my actual credit report? I get my score from barclays but something seems off about it and wanted to look into it.
You can request it when you get declined for a cc even if recon approves it

You can also get it once a year for free from annualcreditscore.com
I wonder what people who type "u" instead of "you" do with all their free time.

Offline 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 #701 on: May 17, 2015, 09:50:05 PM »
How can I get a copy of my actual credit report? I get my score from barclays but something seems off about it and wanted to look into it.
annualcreditreport.com

Offline Yitzshpitz

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Oct 2014
  • Posts: 662
  • Total likes: 55
  • DansDeals.com Hat Tips 0
    • View Profile
Re: credit score
« Reply #702 on: May 17, 2015, 09:51:27 PM »
You can request it when you get declined for a cc even if recon approves it

You can also get it once a year for free from annualcreditscore.com
annualcreditreport.com

Thanks

Offline srap

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Dec 2013
  • Posts: 2819
  • Total likes: 202
  • DansDeals.com Hat Tips 4
    • View Profile
Re: credit score
« Reply #703 on: May 17, 2015, 11:54:23 PM »
I just had this issue. I was an au on my fathers chase card for a long time, and never took myself off. Recently, I was going through my credit report, and saw my credit utilization was much higher then it should've been. I realized that being an au on my fathers card, where he carries large balances every month on his statements, was affecting my credit score. Canceling au definitely helps.
Is the reverse true as well?  Can a high utilization on an AU affect the primary's credit score?

Offline 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 #704 on: May 17, 2015, 11:56:04 PM »
Is the reverse true as well?  Can a high utilization on an AU affect the primary's credit score?
Of course. It's the primary's account

Offline srap

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Dec 2013
  • Posts: 2819
  • Total likes: 202
  • DansDeals.com Hat Tips 4
    • View Profile
Re: credit score
« Reply #705 on: May 18, 2015, 12:01:52 AM »
Of course. It's the primary's account
Of course, wasn't thinking, didn't even ask the question correctly.
Is there any way an AU's credit report can affect the primary's credit report if the AU makes NO CHARGES on the shared CC?

Offline Boruch999

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Jun 2014
  • Posts: 1929
  • Total likes: 186
  • DansDeals.com Hat Tips 0
    • View Profile
Re: credit score
« Reply #706 on: May 18, 2015, 01:24:28 AM »
Of course, wasn't thinking, didn't even ask the question correctly.
Is there any way an AU's credit report can affect the primary's credit report if the AU makes NO CHARGES on the shared CC?

No.  However a bank might look at an AU's report, not like what they see, and decide to give the primary a little extra scrutiny.  (FRs and A/As seem to sometimes run in families.)

Offline srap

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Dec 2013
  • Posts: 2819
  • Total likes: 202
  • DansDeals.com Hat Tips 4
    • View Profile
Re: credit score
« Reply #707 on: May 18, 2015, 01:45:35 AM »
No.  However a bank might look at an AU's report, not like what they see, and decide to give the primary a little extra scrutiny.  (FRs and A/As seem to sometimes run in families.)
Ty.

Offline jameswacht

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Aug 2014
  • Posts: 383
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: ny
Re: credit score
« Reply #708 on: May 18, 2015, 02:49:56 PM »
How long does it take for an inquiry to full off your report? Many DDF posters report that they full off after 3 to 6 months. On my experian report I have 12 inquires extending back over a year's time! Anyway to get rid of them? I want to apply for a new batch of cards I am scared I will get declined due to the large amount of inquiries. Otherwise my experian score is 766.

Offline Marco Polo

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Jul 2012
  • Posts: 13121
  • Total likes: 49
  • DansDeals.com Hat Tips 104
  • Gender: Male
    • View Profile
Re: credit score
« Reply #709 on: May 18, 2015, 02:52:00 PM »
How long does it take for an inquiry to full off your report? Many DDF posters report that they full off after 3 to 6 months. On my experian report I have 12 inquires extending back over a year's time! Anyway to get rid of them? I want to apply for a new batch of cards I am scared I will get declined due to the large amount of inquiries. Otherwise my experian score is 766.
They don't fall off, rather banks only look back x amount of months.
Quaerite et Invenietis.

Offline jameswacht

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Aug 2014
  • Posts: 383
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: ny
Re: credit score
« Reply #710 on: May 18, 2015, 03:04:45 PM »
They don't fall off, rather banks only look back x amount of months.
thanks! Will banks decline me if I have multiple inquiries with in the last 3 months even though my credit score is good? I. E. 766

Offline 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 #711 on: May 18, 2015, 03:07:50 PM »
thanks! Will banks decline me if I have multiple inquiries with in the last 3 months even though my credit score is good? I. E. 766
YMMV especially with chase. I've had it happen with a much higher score.

Offline Marco Polo

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Jul 2012
  • Posts: 13121
  • Total likes: 49
  • DansDeals.com Hat Tips 104
  • Gender: Male
    • View Profile
Re: credit score
« Reply #712 on: May 18, 2015, 03:08:13 PM »
thanks! Will banks decline me if I have multiple inquiries with in the last 3 months even though my credit score is good? I. E. 766
Some will. They may see the recent request for new credit as a negative thing.
Quaerite et Invenietis.

Online 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 #713 on: May 18, 2015, 04:37:39 PM »
They don't fall off, rather banks only look back x amount of months.
They do fall off after 2 years but after 12 months they barely make a difference if at all and even after 6 months they lose a lot of their effect
I wonder what people who type "u" instead of "you" do with all their free time.

Offline Marco Polo

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Jul 2012
  • Posts: 13121
  • Total likes: 49
  • DansDeals.com Hat Tips 104
  • Gender: Male
    • View Profile
Re: credit score
« Reply #714 on: May 18, 2015, 04:45:21 PM »
They do fall off after 2 years but after 12 months they barely make a difference if at all and even after 6 months they lose a lot of their effect
Right. I should have been more specific.
Quaerite et Invenietis.

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 #715 on: May 19, 2015, 09:54:55 AM »
My TU was 764 in August as per Barclaysd, and now it's 696. In that time period, I've had a pull from my new landlord approving my rental application and let 1 or 2 cc bills close with a higher balance than normal (i.e. i left $1000-$2000 on a $9K CL card when I normally leave $200-300).
Any idea what happened? Best way to contact TU to find out?
Update:
I just checked my TU report and there were no recent pulls (my landlord must have pulled a different bureau) but in addition to the 2 balances that were high (again, $2-3K balances), I was 30 days late to a student loan payment.
Does anyone understand credit scores at all? Can 1 late payment and 2 high balances really drop a score 70 points in a month??
Final Update:
I got the late payment removed from the student loan in February, thank G-d. My score did not jump back up instantly, but Lou Bob told me to give it time. At first I saw it creep back up by 10 points or so but then didn't check it again until today and B"H it's back up to 770 :)

Offline D93

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Jul 2014
  • Posts: 8791
  • Total likes: 21
  • DansDeals.com Hat Tips 14
    • View Profile
  • Location: PHL - TLV
Re: credit score
« Reply #716 on: May 19, 2015, 12:40:25 PM »
Final Update:
I got the late payment removed from the student loan in February, thank G-d. My score did not jump back up instantly, but Lou Bob told me to give it time. At first I saw it creep back up by 10 points or so but then didn't check it again until today and B"H it's back up to 770 :)
Nice! Time to apply for more cards ;D

Offline DMYD

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Jul 2013
  • Posts: 2909
  • Total likes: 4
  • DansDeals.com Hat Tips 1
  • Gender: Male
    • View Profile
  • Location: Brooklyn
Re: credit score
« Reply #717 on: May 19, 2015, 12:42:53 PM »
Final Update:
I got the late payment removed from the student loan in February, thank G-d. My score did not jump back up instantly, but Lou Bob told me to give it time. At first I saw it creep back up by 10 points or so but then didn't check it again until today and B"H it's back up to 770 :)
Great number  ;)

Offline mochada

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Aug 2011
  • Posts: 1164
  • Total likes: 13
  • DansDeals.com Hat Tips 2
    • View Profile
Re: credit score
« Reply #718 on: May 19, 2015, 01:48:11 PM »
Great number  ;)

Moshiach must be on his way  ;)
That's what someone told me when I got that score on a standardized exam LOL

Online Mordyk

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: May 2013
  • Posts: 4102
  • Total likes: 1015
  • DansDeals.com Hat Tips 3
  • Gender: Male
    • View Profile
  • Programs: Some of this and some of that.
Re: credit score
« Reply #719 on: June 01, 2015, 05:50:19 PM »
Where can i pay to have monthly my credit score and credit report? I want to be able to review it constantly  and not interested in opening and closing experian accounts
#TYH