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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 809703 times)

Offline Mordyk

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Re: credit score
« Reply #740 on: June 03, 2015, 10:42:09 AM »
Just as a Quick note:

https://www.creditchecktotal.com/ Recently (This monthy) Started offering Fico Scores + Unlimited Credit Reports (All 3)

The Price on Site is 29.95 a Month -- but if you call in after 7 Days trial to cancel - you can get it for $15
this says processing and does continue to finish the checkout process
#TYH

Offline Centro

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Re: credit score
« Reply #741 on: June 03, 2015, 12:23:47 PM »
If I overdraft my checking account will it go on my report?

Offline Centro

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Re: credit score
« Reply #742 on: June 03, 2015, 07:22:30 PM »
If I overdraft my checking account will it go on my report?
Bump.

Offline caliheat

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Re: credit score
« Reply #743 on: June 04, 2015, 11:03:03 AM »
Bump.
I have not seen this appear on my credit report in the past

Offline ChaimMoskowitz

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Re: credit score
« Reply #744 on: June 04, 2015, 11:07:53 AM »
If I overdraft my checking account will it go on my report?
If it goes anywhere it will be here: ChexSystems
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Offline ChaimMoskowitz

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Re: credit score
« Reply #745 on: June 04, 2015, 11:08:37 AM »
I see that i have a two credit pulls from the same bank/institution (Corelogic Credco) on the same day for an auto loan. One was initiated from the leasing company, the other car company. Can those be merged?
You can try but most likely not.
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Offline pixi

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Re: credit score
« Reply #746 on: June 07, 2015, 04:57:14 PM »
I forgot to pay off my CC balance before the billing cycle ended with  with a high balance,  my FICO score dropped 80 points,   is that normal?  Will it take long to go back up?
money doesn't talk......      it SCREAMS !

Offline peacenlove613

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Re: credit score
« Reply #747 on: June 07, 2015, 05:18:55 PM »
That's a lot what percent of your total credit limit

Offline pixi

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Re: credit score
« Reply #748 on: June 07, 2015, 05:20:06 PM »
That's a lot what percent of your total credit limit
Almost %100
money doesn't talk......      it SCREAMS !

Offline raphy781

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Re: credit score
« Reply #749 on: June 07, 2015, 05:43:18 PM »
I forgot to pay off my CC balance before the billing cycle ended with  with a high balance,  my FICO score dropped 80 points,   is that normal?  Will it take long to go back up?
Yes. Should go up after they report your next balance (assuming you pay it off).

Offline pixi

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Re: credit score
« Reply #750 on: June 07, 2015, 05:44:29 PM »
Yes. Should go up after they report your next balance (assuming you pay it off).
Okay.  I hope you are right.
money doesn't talk......      it SCREAMS !

Offline YitzyS

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Re: credit score
« Reply #751 on: June 09, 2015, 09:50:04 AM »
Yes. Should go up after they report your next balance (assuming you pay it off).
+1

Offline Thingywingy

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Re: credit score
« Reply #752 on: June 10, 2015, 10:51:32 AM »
I forgot where but it was mentioned on the forums that with some CC's you need a minimum of $5 charged for it to register a very low credit/debt utilization; less than that will be like there was no charge. Can anyone confirm which cards need $5 vs $.01?
I am sometimes accused of overthinking things. I am still mulling over whether that accusation has merit.

Offline ChaimMoskowitz

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Re: credit score
« Reply #753 on: June 10, 2015, 10:53:26 AM »
I forgot where but it was mentioned on the forums that with some CC's you need a minimum of $5 charged for it to register a very low credit/debt utilization; less than that will be like there was no charge. Can anyone confirm which cards need $5 vs $.01?
Most cards with $2 balance will report. AFAIK Discover might need $3.
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Offline nobiggy

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Re: credit score
« Reply #754 on: June 10, 2015, 10:55:06 AM »
I've seen $1 on my credit report on my Discover IT card IIRC.

Offline ChaimMoskowitz

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Re: credit score
« Reply #755 on: June 10, 2015, 10:57:04 AM »
I've seen $1 on my credit report on my Discover IT card IIRC.
Discover More card would just drop my $1 balance. Not sure if they still do that.
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Offline nobiggy

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Re: credit score
« Reply #756 on: June 10, 2015, 10:58:46 AM »
I hear. I'll report back on the discover card when I can confirm it. Also how many cards should I have close with a $2 balance to get my score up without having to many cards with balances?

Offline Thingywingy

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Re: credit score
« Reply #757 on: June 10, 2015, 11:01:41 AM »
What about Chase, Citi, Amex & Barclays?
I am sometimes accused of overthinking things. I am still mulling over whether that accusation has merit.

Offline ChaimMoskowitz

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Re: credit score
« Reply #758 on: June 10, 2015, 11:05:05 AM »
I hear. I'll report back on the discover card when I can confirm it. Also how many cards should I have close with a $2 balance to get my score up without having to many cards with balances?
One card and only one card with a $2 balance. This has been beat to death over at CB if you want to confirm.
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Offline ChaimMoskowitz

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Re: credit score
« Reply #759 on: June 10, 2015, 11:05:35 AM »
What about Chase, Citi, Amex & Barclays?
$2 should work for any of them.
I just found a new supply of forks!