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 809858 times)

Offline David Smith

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Re: credit score
« Reply #1180 on: October 20, 2015, 10:53:23 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?
If the payments not due, it doesn't post. Why doesn't she just make the minimum payments? (I'm sure she's not thinking utilization or anything like that.)
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 yochiek93

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Re: credit score
« Reply #1181 on: October 20, 2015, 10:54:51 PM »
If the payments not due, it doesn't post. Why doesn't she just make the minimum payments? (I'm sure she's not thinking utilization or anything like that.)
Why would anyone want to pay interest

Offline dudi

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Re: credit score
« Reply #1182 on: October 20, 2015, 11:18:04 PM »
If the payments not due, it doesn't post. Why doesn't she just make the minimum payments? (I'm sure she's not thinking utilization or anything like that.)
If payment due is for example 1000$ and the minimum is 35$ if she pays only 35$ it won't post on her report?

Offline yochiek93

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Re: credit score
« Reply #1183 on: October 20, 2015, 11:25:13 PM »
If payment due is for example 1000$ and the minimum is 35$ if she pays only 35$ it won't post on her report?
It sure will

Offline noturbizniss

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Re: credit score
« Reply #1184 on: October 20, 2015, 11:44:06 PM »
If payment due is for example 1000$ and the minimum is 35$ if she pays only 35$ it won't post on her report?
But not as negative or late. Just usage.
It sure will
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Offline yochiek93

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Re: credit score
« Reply #1185 on: October 27, 2015, 02:40:37 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

K thanks. People do it every day, something doesen't add up!
There was only a slight drop, not that much

Offline caliheat

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Re: credit score
« Reply #1186 on: October 28, 2015, 11:19:43 AM »
There was only a slight drop, not that much
I just leased a car and my credit went up that month, not down..

Offline yochiek93

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Re: credit score
« Reply #1187 on: October 28, 2015, 11:24:39 AM »
I just leased a car and my credit went up that month, not down..
Interesting because its a pull

Offline caliheat

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Re: credit score
« Reply #1188 on: October 28, 2015, 11:31:27 AM »
Interesting because its a pull
Yes, but many other factors influence score.
In my case, a collection falling off, longer good history etc.

Offline yochiek93

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Re: credit score
« Reply #1189 on: October 28, 2015, 12:43:45 PM »
Yes, but many other factors influence score.
In my case, a collection falling off, longer good history etc.
That's definitely true so good for you

Offline mendy from lakewood

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Re: credit score
« Reply #1190 on: October 28, 2015, 12:50:09 PM »
anyone know what credit score i would need to get approved for a car lease (altima,camry,accord)
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Offline David Smith

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Re: credit score
« Reply #1191 on: October 29, 2015, 10:40:31 AM »
Anyone know if charge cards with a preset limit count as available credit regarding utilization?
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 yochiek93

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Re: credit score
« Reply #1192 on: October 29, 2015, 12:34:35 PM »
Anyone know if charge cards with a preset limit count as available credit regarding utilization?
Iirc it doesn't because its just a cap... Unlike a credit card

Offline ChaimMoskowitz

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Re: credit score
« Reply #1193 on: October 29, 2015, 12:46:02 PM »
Anyone know if charge cards with a preset limit count as available credit regarding utilization?
This was just answered in another thread but I can't find it.  :-[
I just found a new supply of forks!

Offline benjie1305

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Re: credit score
« Reply #1194 on: October 29, 2015, 12:50:07 PM »
This was just answered in another thread but I can't find it.  :-[

Offering my helping hand. here

:) hope its the one you meant.
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Offline ChaimMoskowitz

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Re: credit score
« Reply #1195 on: October 29, 2015, 12:52:14 PM »
I just found a new supply of forks!

Offline David Smith

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Re: credit score
« Reply #1196 on: October 29, 2015, 01:12:54 PM »
This was just answered in another thread but I can't find it.  :-[

Offering my helping hand. here

:) hope its the one you meant.
Thanks. I had followed that other thread with interest, but all that was discussed there was charge cards with no preset limit, unless i missed something. I'm wondering about cards with a preset limit (they imposed limits after my fr). Does the limit get reported to the CB's? Does it make a difference regarding its status as a charge card? I admittedly didn't look up the credit board links, so this may have been discussed there. I'm gonna do that now.
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 #1197 on: October 29, 2015, 01:16:10 PM »
I'm gonna do that now.
Let us know what you find.  :)
I just found a new supply of forks!

Offline David Smith

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Re: credit score
« Reply #1198 on: October 29, 2015, 01:17:16 PM »
Let us know what you find.  :)
It's a whole new language for me.   Locs?
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 #1199 on: October 29, 2015, 01:19:36 PM »
It's a whole new language for me.
You are not getting any sympathy form me.  :P
I just found a new supply of forks!