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 809672 times)

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?
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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!

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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.
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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

Offline tzifanya54

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Re: credit score
« Reply #1170 on: October 19, 2015, 02:28:38 PM »
30% of your credit is based on utilization no? Cmiiw
My point was the one month on one card, aspect.

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Re: credit score
« Reply #1171 on: October 19, 2015, 02:44:43 PM »
Really? The damage is that great for one months worth of high utilization??
yup for that month until the next statement closed

Offline shlonx

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Re: credit score
« Reply #1172 on: October 20, 2015, 10:09:40 PM »
Quick question: this whole inyan of spending 33% of your credit etc. , is that percentage a maximum?
I.e. If I just utilize 14% of my credit, is that better than using 30%? Worse? The same?
Brevity may be the soul of wit, but floridity is its spirit.

Offline yochiek93

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Re: credit score
« Reply #1173 on: October 20, 2015, 10:11:19 PM »
Quick question: this whole inyan of spending 33% of your credit etc. , is that percentage a maximum?
I.e. If I just utilize 14% of my credit, is that better than using 30%? Worse? The same?
33% is a maximum%, the less you use the better

Offline pixi

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Re: credit score
« Reply #1174 on: October 20, 2015, 10:11:56 PM »
33% is a maximum%, the less you use the better
The best is if you can use under 10%
money doesn't talk......      it SCREAMS !

Offline shlonx

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Re: credit score
« Reply #1175 on: October 20, 2015, 10:14:14 PM »
Okay, thanks guys.
Brevity may be the soul of wit, but floridity is its spirit.

Offline pixi

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Re: credit score
« Reply #1176 on: October 20, 2015, 10:15:00 PM »
The best is if you can use under 10%
And even better of you close with a $2 balance ( on amex)
money doesn't talk......      it SCREAMS !

Offline TimT

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Re: credit score
« Reply #1177 on: October 20, 2015, 10:15:34 PM »
Okay, thanks guys.
The less you owe the better.

Offline pixi

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Re: credit score
« Reply #1178 on: October 20, 2015, 10:16:35 PM »
The less you owe the better.
But owe something
money doesn't talk......      it SCREAMS !

Offline dudi

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Re: credit score
« Reply #1179 on: October 20, 2015, 10:48:15 PM »
MIL was telling me that she calls up CC companys sometimes to prospone the payment due date if her check is coming in late etc. Would that effect her credit score?