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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 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 ExGingi on March 04, 2019, 09:04:57 PM »

Author Topic: credit score  (Read 438370 times)

Offline ChaimMoskowitz

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Re: credit score
« Reply #1155 on: October 19, 2015, 09:21:46 AM »
Not following.
If statement in first month closes at 1k then that's what the report shows as credit limit. If next month th it closes ta 20k then that's your new limit.
So if in month one and two my statement closes with a $10 balance they will look at that card as 100% utilization?
I just found a new supply of forks!

Offline Josef.koney

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Re: credit score
« Reply #1156 on: October 19, 2015, 09:23:57 AM »
Not following.
If statement in first month closes at 1k then that's what the report shows as credit limit. If next month th it closes ta 20k then that's your new limit.
And then if I close the account then I'll be 20k less credit line (problem for my score?) Or is that only for the percentage of credit I use every month?

Offline doovid d

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Re: credit score
« Reply #1157 on: October 19, 2015, 09:53:39 AM »
Would anyone know the probability of me getting approved for a credit card (especialy chase cc )with a credit score of 640 i just  leased a car and my score dropped from 740 to the current one

Offline noturbizniss

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Re: credit score
« Reply #1158 on: October 19, 2015, 10:17:31 AM »
So if in month one and two my statement closes with a $10 balance they will look at that card as 100% utilization?
That's my understanding. Haven't used charge cards much lately so I can't comment on my own experience.
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Offline a mirrer

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Re: credit score
« Reply #1159 on: October 19, 2015, 01:06:51 PM »
So if in month one and two my statement closes with a $10 balance they will look at that card as 100% utilization?
but it doesn't pull your score down like when a credit card closes with 100% utilization

Offline noturbizniss

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Re: credit score
« Reply #1160 on: October 19, 2015, 01:16:11 PM »
but it doesn't pull your score down like when a credit card closes with 100% utilization
what are you basing that on?
READ THE DARN WIKI!!!!

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Offline a mirrer

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Re: credit score
« Reply #1161 on: October 19, 2015, 01:30:27 PM »
what are you basing that on?
personal experience i once had a credit card close at 75% utilization and it pulled my score down by 30-40 points and charge cards never did that sort of damage

Offline tzifanya54

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Re: credit score
« Reply #1162 on: October 19, 2015, 01:32:47 PM »
Would anyone know the probability of me getting approved for a credit card (especialy chase cc )with a credit score of 640 i just  leased a car and my score dropped from 740 to the current one
Never leased a car. I gotta ask though that sounds like a large drop. Is that standard for leasing a car to have your score drop by 100?

Offline yochiek93

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Re: credit score
« Reply #1163 on: October 19, 2015, 01:38:58 PM »
Never leased a car. I gotta ask though that sounds like a large drop. Is that standard for leasing a car to have your score drop by 100?
I'll report back my dad about to take a lease

Offline tzifanya54

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Re: credit score
« Reply #1164 on: October 19, 2015, 01:41:08 PM »
I'll report back my dad about to take a lease
K thanks. People do it every day, something doesen't add up!

Offline a mirrer

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Re: credit score
« Reply #1165 on: October 19, 2015, 01:59:43 PM »
Never leased a car. I gotta ask though that sounds like a large drop. Is that standard for leasing a car to have your score drop by 100?
my guess is that he's checking credit karma

Offline ChaimMoskowitz

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Re: credit score
« Reply #1166 on: October 19, 2015, 02:09:21 PM »
personal experience i once had a credit card close at 75% utilization and it pulled my score down by 30-40 points and charge cards never did that sort of damage
That would make sense.
I just found a new supply of forks!

Offline tzifanya54

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Re: credit score
« Reply #1167 on: October 19, 2015, 02:14:08 PM »
That would make sense.
Really? The damage is that great for one months worth of high utilization??

Offline ydf

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Re: credit score
« Reply #1168 on: October 19, 2015, 02:14:36 PM »
personal experience i once had a credit card close at 75% utilization and it pulled my score down by 30-40 points and charge cards never did that sort of damage
That would make sense.
+1 ime

Offline ydf

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Re: credit score
« Reply #1169 on: October 19, 2015, 02:16:47 PM »
Really? The damage is that great for one months worth of high utilization??
30% of your credit is based on utilization no? Cmiiw