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 810945 times)

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 #800 on: July 02, 2015, 09:29:00 AM »
When an institution does multiple pulls on the same day, they can roll into one pull.

It's Automatically?

Offline coralsnake

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: May 2008
  • Posts: 4555
  • Total likes: 162
  • DansDeals.com Hat Tips 9
    • View Profile
Re: credit score
« Reply #801 on: July 02, 2015, 09:49:57 AM »
"Here at DansDeals we don’t do buses." -Dan

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 #802 on: July 02, 2015, 10:15:52 AM »
When an institution does multiple pulls on the same day, they can roll into one pull.
Which means it is good to do same institution applications in an AOR the same day, but what about applications from different institutions? If it is for sure that they can instantly see other banks' pulls on the credit report, then what is the sense of an AOR?

Is it that it is not instant?

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 #803 on: July 02, 2015, 10:44:07 AM »
Which means it is good to do same institution applications in an AOR the same day, but what about applications from different institutions? If it is for sure that they can instantly see other banks' pulls on the credit report, then what is the sense of an AOR?

Is it that it is not instant?
It is more so one can keep track of pulls easier. If all pulls are on one day, makes your next AOR easier to plan.
« Last Edit: July 02, 2015, 12:12:35 PM by Marco Polo »
Quaerite et Invenietis.

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 #804 on: July 02, 2015, 11:51:20 AM »
It is ore so one can keep track of pulls easier. If all pulls are on one day, makes your next AOR easier to plan.
?   also?

Offline etech0

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Dec 2013
  • Posts: 12863
  • Total likes: 3321
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: not lakewood
  • Programs: DDF
Re: credit score
« Reply #805 on: July 02, 2015, 11:55:03 AM »
Workflowy. You won't know what you're missing until you try it.

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 #806 on: July 02, 2015, 12:12:50 PM »
Quaerite et Invenietis.

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 #807 on: July 02, 2015, 01:03:15 PM »
Is there any benefits/disadvantages in keeping my Experian frozen once I froze it to apply for a cc and I have no need to unfreeze it for another few months?

Offline Mendy1414

  • Dansdeals Bronze Elite
  • *
  • Join Date: Feb 2015
  • Posts: 44
  • Total likes: 1
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Location: somewhere
Re: credit score
« Reply #808 on: July 02, 2015, 05:03:47 PM »
I hope I'm posting in the right place! I did a 2BM for one biz and one personal from chase, I see the 2 pulls on my Experian report, can I merge them in to one pull? and if so how would I go about that?

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 #809 on: July 02, 2015, 05:04:51 PM »
I hope I'm posting in the right place! I did a 2BM for one biz and one personal from chase, I see the 2 pulls on my Experian report, can I merge them in to one pull? and if so how would I go about that?
No

Offline Mendy1414

  • Dansdeals Bronze Elite
  • *
  • Join Date: Feb 2015
  • Posts: 44
  • Total likes: 1
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Location: somewhere
Re: credit score
« Reply #810 on: July 02, 2015, 05:06:58 PM »
thanks

Offline ChaimMoskowitz

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Jun 2014
  • Posts: 6738
  • Total likes: 1097
  • DansDeals.com Hat Tips 1
  • Gender: Female
    • View Profile
Re: credit score
« Reply #811 on: July 02, 2015, 05:09:38 PM »
If it is for sure that they can instantly see other banks' pulls on the credit report, then what is the sense of an AOR?
Some are still stuck in 2007.  ;)
I just found a new supply of forks!

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 #812 on: July 02, 2015, 05:33:43 PM »
Some are still stuck in 2007.  ;)
If this were really the case, it would take a lot of pressure off in trying to get all the applications and offers in line before making the BIG AOR.

How long is the 'immediate' logging of inquiries on a credit report?  Seconds? Minutes?
Do we have time to make another application at a different bank and have it be automatically computer approved without the previous inquiry being seen?

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 #813 on: July 02, 2015, 05:35:57 PM »
If this were really the case, it would take a lot of pressure off in trying to get all the applications and offers in line before making the BIG AOR.
this is REALLY the case.

Quote
How long is the 'immediate' logging of inquiries on a credit report?  Seconds? Minutes?
Neither, instant means instant, as in milliseconds.

Offline etech0

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Dec 2013
  • Posts: 12863
  • Total likes: 3321
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: not lakewood
  • Programs: DDF
Re: credit score
« Reply #814 on: July 02, 2015, 05:40:37 PM »
this is REALLY the case.
Neither, instant means instant, as in milliseconds.
what if you have 2 computers,  and click submit on  2 apps at the same time?
Workflowy. You won't know what you're missing until you try it.

Offline ChaimMoskowitz

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Jun 2014
  • Posts: 6738
  • Total likes: 1097
  • DansDeals.com Hat Tips 1
  • Gender: Female
    • View Profile
Re: credit score
« Reply #815 on: July 02, 2015, 05:53:49 PM »
If they are from the same FI go ahead and do a x/BM. There is no downside. For an AOR you can take your time during the day.
I just found a new supply of forks!

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 #816 on: July 02, 2015, 06:01:27 PM »
If they are from the same FI go ahead and do a x/BM. There is no downside.

And no gain either.

Offline ChaimMoskowitz

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Jun 2014
  • Posts: 6738
  • Total likes: 1097
  • DansDeals.com Hat Tips 1
  • Gender: Female
    • View Profile
Re: credit score
« Reply #817 on: July 02, 2015, 06:04:18 PM »
And no gain either.
Some believe it might you give you a better chance of instant approvals. I did a 2/bm with Amex and they were both instant approvals. Was it because of the 2/bm or would it happen anyway?
I just found a new supply of forks!

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 #818 on: July 02, 2015, 06:05:57 PM »
Some believe it might you give you a better chance of instant approvals.
YOU are starting to become a believer in x/BM?  :o :o

Quote
I did a 2/bm with Amex and they were both instant approvals. Was it because of the 2/bm or would it happen anyway?

The latter.

Offline ChaimMoskowitz

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Jun 2014
  • Posts: 6738
  • Total likes: 1097
  • DansDeals.com Hat Tips 1
  • Gender: Female
    • View Profile
Re: credit score
« Reply #819 on: July 02, 2015, 06:19:42 PM »
YOU are starting to become a believer in x/BM?  :o :o
No just if I am not 100% sure and no downside, why not use it?
I just found a new supply of forks!