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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 811180 times)

Offline Thingywingy

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Re: credit score
« Reply #760 on: June 10, 2015, 11:15:28 AM »
Pretty sure I read on DDF Chase needs $5.
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 #761 on: June 10, 2015, 11:16:35 AM »
Pretty sure I read on DDF Chase needs $5.
Pretty sure if someone posted that then they are wrong.  :)
I just found a new supply of forks!

Offline Thingywingy

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Re: credit score
« Reply #762 on: June 10, 2015, 11:24:02 AM »
Found it!
Most banks will just credit you the money and not even charge you if the statement balance is under $1. And also some banks don't report a balance to bureaus unless there's $5 on the statement.
This has been my experience with Chase, take a look at your own reports to see if your experience is different.
D93 wanna chime in?
I am sometimes accused of overthinking things. I am still mulling over whether that accusation has merit.

Offline efflpetzel

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Re: credit score
« Reply #763 on: June 12, 2015, 02:23:51 AM »

One card and only one card with a $2 balance.
whats the logic behind that? Why carry the $2 only on one card

Offline ChaimMoskowitz

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Re: credit score
« Reply #764 on: June 12, 2015, 02:32:03 AM »
whats the logic behind that? Why carry the $2 only on one card
Check out CB if you want the low down. It is fully documented over there. Their research shows that one card only with a $2 balance will give you the biggest boost in your FICO. Most of the time it is only a few points.
I just found a new supply of forks!

Offline pixi

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Re: credit score
« Reply #765 on: June 12, 2015, 10:53:47 AM »
Check out CB if you want the low down. It is fully documented over there. Their research shows that one card only with a $2 balance will give you the biggest boost in your FICO. Most of the time it is only a few points.
I have a few cards,  should I just leave a $2 balance on just one card and all other CC's I should pay it off in full, or leave a $2 ballance on all of them?
money doesn't talk......      it SCREAMS !

Online etech0

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Re: credit score
« Reply #766 on: June 12, 2015, 10:55:46 AM »
I have a few cards,  should I just leave a $2 balance on just one card and all other CC's I should pay it off in full, or leave a $2 ballance on all of them?
$2 on one card
Workflowy. You won't know what you're missing until you try it.

Offline rileywiles23

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Re: credit score
« Reply #767 on: June 12, 2015, 10:57:06 AM »

I have a few cards,  should I just leave a $2 balance on just one card and all other CC's I should pay it off in full, or leave a $2 ballance on all of them?
Did you even read CM's post ?!?! It clearly states......
one card only with a $2 balance will give you the biggest boost in your FICO.
Life is as good as you make it...

Offline pixi

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Re: credit score
« Reply #768 on: June 12, 2015, 10:57:39 AM »
$2 on one card
Not sure where I red it,  but in one of dans posts he recommended that you should keep a small balance on all cards. 
money doesn't talk......      it SCREAMS !

Online etech0

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Re: credit score
« Reply #769 on: June 12, 2015, 10:59:03 AM »
Not sure where I red it,  but in one of dans posts he recommended that you should keep a small balance on all cards.
I'm not the expert... but read this thread: http://forums.dansdeals.com/index.php?topic=49416.0
Workflowy. You won't know what you're missing until you try it.

Online TimT

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Re: credit score
« Reply #770 on: June 12, 2015, 11:40:21 AM »
Not sure where I red it,  but in one of dans posts he recommended that you should keep a small balance on all cards.
You're good either way. It's a few point difference, that's all.

Offline pixi

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Re: credit score
« Reply #771 on: June 12, 2015, 11:41:34 AM »
You're good either way. It's a few point difference, that's all.
I thought that it isn't good to keep a cc with a $0 balance.  I guess I am wrong
money doesn't talk......      it SCREAMS !

Online TimT

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Re: credit score
« Reply #772 on: June 12, 2015, 12:04:05 PM »
I thought that it isn't good to keep a cc with a $0 balance.  I guess I am wrong
But remember, this $2 on 1 card discussion is only good if all the other cards are 0 balance.

Offline srap

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Re: credit score
« Reply #773 on: June 16, 2015, 05:23:37 PM »
I have a few cards,  should I just leave a $2 balance on just one card and all other CC's I should pay it off in full, or leave a $2 ballance on all of them?
If you keep a $2 balance on all cards, it will count as a NEGATIVE to your score since you will be owing on 100% of your cards!  Yes, this happened to me. 

This is why
One card and only one card with a $2 balance. This has been beat to death over at CB if you want to confirm.
« Last Edit: June 16, 2015, 06:39:26 PM by srap »

Offline mord1

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Re: credit score
« Reply #774 on: June 18, 2015, 03:16:08 PM »
If you keep a $2 balance on all cards, it will count as a NEGATIVE to your score since you will be owing on 100% of your cards!  Yes, this happened to me. 

This is why
So the maskanah is?
$2 on 1 card and the rest 0- gives you the biggest boost?

Online TimT

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Re: credit score
« Reply #775 on: June 18, 2015, 03:19:49 PM »
So the maskanah is?
$2 on 1 card and the rest 0- gives you the biggest boost?
Yes. And if you have a $2 balance on every card you're also fine.

Offline mord1

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Re: credit score
« Reply #776 on: June 18, 2015, 04:40:58 PM »
Yes. And if you have a $2 balance on every card you're also fine.
cool thanks

Offline avrumy22

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Re: credit score
« Reply #777 on: June 22, 2015, 04:51:54 PM »
can find the link to check credit score for free. can someone point me to it? TIA.

Online TimT

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Re: credit score
« Reply #778 on: June 22, 2015, 05:04:20 PM »
Certain cards offer it. in your online account

Offline avrumy22

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Re: credit score
« Reply #779 on: June 22, 2015, 05:08:03 PM »
Certain cards offer it. in your online account

Anywhere else? I know how to get the report. I would like to see an actual score.