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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 811166 times)

Online TimT

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Re: credit score
« Reply #980 on: September 06, 2015, 04:13:00 PM »
Oish even if pay in full before due date?
It goes according to when the statement prints.

Offline PETERP

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Re: credit score
« Reply #981 on: September 06, 2015, 04:16:40 PM »
High utilization is not good for the score.

How much of your total CL across all banks is it ?

Offline ChaimMoskowitz

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Re: credit score
« Reply #982 on: September 06, 2015, 04:18:45 PM »
I often have cards maxed out. Depending on your credit file it might not be that big of a deal.
I just found a new supply of forks!

Offline PETERP

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Re: credit score
« Reply #983 on: September 06, 2015, 04:20:22 PM »
I often have cards maxed out. Depending on your credit file it might not be that big of a deal.

+1. If done right can help .

Offline Josef.koney

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Re: credit score
« Reply #984 on: September 06, 2015, 04:29:30 PM »
I often have cards maxed out. Depending on your credit file it might not be that big of a deal.

+1. If done right can help .
Could you explain?

Offline PETERP

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Re: credit score
« Reply #985 on: September 06, 2015, 04:50:50 PM »
Could you explain?

I have way over 150k total CL and occasionally
max out one of my cards . I started this game with
A 757 credit score and I bounce between
780 and 825 nowadays

Offline DMYD

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Re: credit score
« Reply #986 on: September 06, 2015, 05:03:28 PM »
I also max out my cards, it is bad for now but will be much higher after, banks see that you owed 200k+ a month and pad it back every month so that's a good thing.

Offline Hamavin

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Re: credit score
« Reply #987 on: September 06, 2015, 07:50:37 PM »
I also max out my cards, it is bad for now but will be much higher after, banks see that you owed 200k+ a month and pad it back every month so that's a good thing.
Gotcha but how long do you havta wait? Also what percent is no prob...under 50 percent?

Online TimT

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Re: credit score
« Reply #988 on: September 06, 2015, 08:03:45 PM »
The higher the utilization the more it affects the score.

Offline Hamavin

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Re: credit score
« Reply #989 on: September 06, 2015, 08:06:54 PM »
Gotcha but do you think if I leave it at %90 utilization it will be worth it in 6 months?

Online TimT

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Re: credit score
« Reply #990 on: September 06, 2015, 08:09:16 PM »
Define "worth it".  It'll take a hit, when you pay it up it starts going up again.

Offline Hamavin

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Re: credit score
« Reply #991 on: September 06, 2015, 08:14:19 PM »
Sorry what I meant was will it go higher then originally?

Offline Ydad

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Re: credit score
« Reply #992 on: September 16, 2015, 10:09:24 PM »
Hope this is the right thread. I applied for two amex cards 4 days ago one was approved and one was pending. Called amex today to get the second one approved. Now I checked my credit report and they pulled my credit again. Is there anything to do about this? Or I gotta eat the second pull...

Offline Chapshnell

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Re: credit score
« Reply #993 on: September 16, 2015, 11:02:43 PM »
Hope this is the right thread. I applied for two amex cards 4 days ago one was approved and one was pending. Called amex today to get the second one approved. Now I checked my credit report and they pulled my credit again. Is there anything to do about this? Or I gotta eat the second pull...

call the CB & tell them its a duplicate.. have them remove it

Offline Ydad

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Re: credit score
« Reply #994 on: September 16, 2015, 11:04:07 PM »
call the CB & tell them its a duplicate.. have them remove it
And they will do that even four days apart? Great! Thanks!

Offline ChaimMoskowitz

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Re: credit score
« Reply #995 on: September 17, 2015, 12:25:48 AM »
call the CB & tell them its a duplicate.. have them remove it
You can get it removed without lying.
I just found a new supply of forks!

Offline Centro

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Re: credit score
« Reply #996 on: September 17, 2015, 12:34:45 AM »
You can get it removed without lying.
Why post without elaborating?

Offline ChaimMoskowitz

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Re: credit score
« Reply #997 on: September 17, 2015, 12:40:12 AM »
Why post without elaborating?
If someone posts 2+3=6 and I say that is wrong you expect me to elaborate?
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Offline PETERP

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Re: credit score
« Reply #998 on: September 17, 2015, 02:17:49 AM »
You can get it removed without lying.

Would you kindly elaborate. I had similar situation , and would appreciate easiest resolution.

Offline ChaimMoskowitz

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Re: credit score
« Reply #999 on: September 17, 2015, 02:21:47 AM »
Would you kindly elaborate. I had similar situation , and would appreciate easiest resolution.
Tell them you applied for a CC and they pulled your credit report twice. Can they please delete one of them.
I just found a new supply of forks!