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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 810716 times)

Offline ChaimMoskowitz

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Re: credit score
« Reply #1060 on: September 24, 2015, 12:10:12 PM »
Nice theory, albeit made up.
More like carry over because it did use to help.
I just found a new supply of forks!

Offline etech0

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Re: credit score
« Reply #1061 on: September 24, 2015, 12:14:30 PM »
What's the reason when doing 2BM  it has to be different browsers?
From what I recall, it's so the apps don't get merged as duplicates
Workflowy. You won't know what you're missing until you try it.

Offline noturbizniss

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Re: credit score
« Reply #1062 on: September 24, 2015, 03:32:57 PM »
What's the reason when doing 2BM  it has to be different browsers?
2 tabs in the same window share cookies so if yo hit next on one tab then next on the other, then go back to hit next on the first, the first will either return an error or submit the app from the second one.  as D93 said,the MBM method has consistentely been shown to have no impact on approving instant approvals
READ THE DARN WIKI!!!!

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Offline pixi

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Re: credit score
« Reply #1063 on: September 24, 2015, 03:34:41 PM »
2 tabs in the same window share cookies so if yo hit next on one tab then next on the other, then go back to hit next on the first, the first will either return an error or submit the app from the second one.  as D93 said,the MBM method has consistentely been shown to have no impact on approving instant approvals
So useing the same browser on 2 different computers or so shouldn't  be a problem.  Right?
money doesn't talk......      it SCREAMS !

Offline noturbizniss

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Re: credit score
« Reply #1064 on: September 24, 2015, 03:35:21 PM »
So useing the same browser on 2 different computers or so shouldn't  be a problem.  Right?
shouldn't be.
READ THE DARN WIKI!!!!

Chuck Norris...
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Offline Ydad

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Re: credit score
« Reply #1065 on: September 24, 2015, 03:35:37 PM »
So useing the same browser on 2 different computers or so shouldn't  be a problem.  Right?
I have done that successfully

Offline PETERP

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Re: credit score
« Reply #1066 on: September 24, 2015, 03:35:50 PM »
2 tabs in the same window share cookies so if yo hit next on one tab then next on the other, then go back to hit next on the first, the first will either return an error or submit the app from the second one.  as D93 said,the MBM method has consistentely been shown to have no impact on approving instant approvals

The MBM method MAY have been helpful  5 years ago , but makes no difference nowadays.

Offline pixi

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Re: credit score
« Reply #1067 on: September 24, 2015, 03:36:33 PM »
The MBM method MAY have been helpful  5 years ago , but makes no difference nowadays.
Explain!
money doesn't talk......      it SCREAMS !

Offline PETERP

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Re: credit score
« Reply #1068 on: September 24, 2015, 03:38:36 PM »
Explain!

Technology was slower then , and there was different coding IME . Never got dupe application errors !

Offline David Smith

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Re: credit score
« Reply #1069 on: September 24, 2015, 03:55:16 PM »
So essentially, there is no point in trying to submit applications in as quick succession as possible. (Is credit application before charge application true?)
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
JTZ

Offline benjie1305

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Re: credit score
« Reply #1070 on: September 24, 2015, 03:56:08 PM »
So essentially, there is no point in trying to submit applications in as quick succession as possible. (Is credit application before charge application true?)

Correct.
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Offline pixi

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Re: credit score
« Reply #1071 on: September 24, 2015, 04:01:29 PM »
So essentially, there is no point in trying to submit applications in as quick succession as possible. (Is credit application before charge application true?)
As long it's in the same day
money doesn't talk......      it SCREAMS !

Offline ChaimMoskowitz

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Re: credit score
« Reply #1072 on: September 24, 2015, 04:02:27 PM »
Don't forget the using a 2bm does not hurt anything. So with the small chance it might help then why not use it?
I just found a new supply of forks!

Offline noturbizniss

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Re: credit score
« Reply #1073 on: September 24, 2015, 04:07:44 PM »
Don't forget the using a 2bm does not hurt anything. So with the small chance it might help then why not use it?
since most of us rarely get instant approvals anymore, and mbm doesn't change those chances, my feeling is that it's easier on recon to only have one pending app to discuss then to have to call about 4. That MAY lead to more questions.
READ THE DARN WIKI!!!!

Chuck Norris...
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Offline David Smith

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Re: credit score
« Reply #1074 on: September 24, 2015, 04:10:31 PM »
since most of us rarely get instant approvals anymore, and mbm doesn't change those chances, my feeling is that it's easier on recon to only have one pending app to discuss then to have to call about 4. That MAY lead to more questions.
So apply on separate days?!? How are you avoiding pending apps? Btw amex still auto approves, no?
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
JTZ

Offline ChaimMoskowitz

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Re: credit score
« Reply #1075 on: September 24, 2015, 04:13:10 PM »
since most of us rarely get instant approvals anymore, and mbm doesn't change those chances, my feeling is that it's easier on recon to only have one pending app to discuss then to have to call about 4. That MAY lead to more questions.
If I am applying for multiple cards how does doing a "bm" hurt? You want to call after each app?
I just found a new supply of forks!

Offline noturbizniss

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Re: credit score
« Reply #1076 on: September 24, 2015, 04:16:13 PM »
So apply on separate days?!? How are you avoiding pending apps? Btw amex still auto approves, no?
then you get multiple pulls.  idea is apply, get pending status, call recon get approved, rinse and repeat.so every call has only one pending application. Sure they may see you were just approved for others but hopefully that won't be asked. Is that worse than having 4 pending apps? I don't know.
When I last MBM'd over a year ago I called amex for 5 pending apps, and got approved by india for all 5 at once. so who knows.
READ THE DARN WIKI!!!!

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Offline noturbizniss

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Re: credit score
« Reply #1077 on: September 24, 2015, 04:17:07 PM »
If I am applying for multiple cards how does doing a "bm" hurt? You want to call after each app?
yup. that's the theory i've seen floating around. Like I said above, I haven't applied in over a year, so the MBM logic was still strong then
READ THE DARN WIKI!!!!

Chuck Norris...
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Offline pixi

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Re: credit score
« Reply #1078 on: September 24, 2015, 04:20:34 PM »
since most of us rarely get instant approvals anymore.
we still do get instant approval,  you just gotta know how to play the game.
money doesn't talk......      it SCREAMS !

Offline David Smith

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Re: credit score
« Reply #1079 on: September 24, 2015, 04:21:38 PM »
then you get multiple pulls.  idea is apply, get pending status, call recon get approved, rinse and repeat.so every call has only one pending application. Sure they may see you were just approved for others but hopefully that won't be asked. Is that worse than having 4 pending apps? I don't know.
When I last MBM'd over a year ago I called amex for 5 pending apps, and got approved by india for all 5 at once. so who knows.
I was aware of the multiple pulls, that's why I was surprised. Reconsideration works instantly five times in one day? My last app was instant approved three out of four, and the fourth approved without calling five days later. The call to experian way probably faster than amex would have been. I don't even know if they can approve two cc's in five days.
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
JTZ