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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 809375 times)

Offline Mendelssohn

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Re: credit score
« Reply #1340 on: November 12, 2015, 02:38:19 PM »
It's real simple. Don't use Chase for this. Some of you are complicating this unnecessarily.

Negative balances report as $0.

Offline CS91

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Re: credit score
« Reply #1341 on: November 12, 2015, 02:40:30 PM »
It's real simple. Don't use Chase for this. Some of you are complicating this unnecessarily.

What's confusing me (and probably others) is when/how often Chase card balances should be paid off. Should they just be paid once a month, in full, several days before statement closes? Or, should they be paid off in full every time a charge posts to the account?

Offline Mendelssohn

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Re: credit score
« Reply #1342 on: November 12, 2015, 02:43:27 PM »
Chase doesn't report balances mid cycle. They report payment in full mid cycle.

Offline CS91

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Re: credit score
« Reply #1343 on: November 12, 2015, 02:44:10 PM »
Chase doesn't report balances mid cycle. They report payment in full mid cycle.

Still don't know what the answer to my question is...

Offline ari2955

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Re: credit score
« Reply #1344 on: November 12, 2015, 03:40:19 PM »
Still don't know what the answer to my question is...

Chase will only report at statement closing or mid cycle if you pay in full

So if you're using a chase card for this game, never pay it in full, always leave at least $2 and you'll be good.

Offline yochiek93

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Re: credit score
« Reply #1345 on: November 12, 2015, 03:43:43 PM »
Chase will only report at statement closing or mid cycle if you pay in full

So if you're using a chase card for this game, never pay it in full, always leave at least $2 and you'll be good.
So then why are people saying not to use chase?

Offline Mendelssohn

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Re: credit score
« Reply #1346 on: November 12, 2015, 03:51:29 PM »
Chase will only report at statement closing or mid cycle if you pay in full

So if you're using a chase card for this game, never pay it in full, always leave at least $2 and you'll be good.

No. Don't use Chase for this. At some point it will update to $0 which is NOT what you want.

As I said, don't make it difficult.

Offline yitrap

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Re: credit score
« Reply #1347 on: November 12, 2015, 03:53:56 PM »
So if my Chase card closed at a high balance I could pay in full and get it to report mid-cycle at $0?

Offline Mendelssohn

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Re: credit score
« Reply #1348 on: November 12, 2015, 03:54:47 PM »
Yes.

Offline yitrap

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Re: credit score
« Reply #1349 on: November 12, 2015, 03:56:06 PM »
Cool trick :)

Offline etech0

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Re: credit score
« Reply #1350 on: November 12, 2015, 03:56:43 PM »
So I need to set it up so that right when I pay the $2, another statement posts with $2?
bump
Workflowy. You won't know what you're missing until you try it.

Offline Mendelssohn

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Re: credit score
« Reply #1351 on: November 12, 2015, 03:58:50 PM »
bump

Again, don't use Chase. I'm going to stop answering that question as I have already been clear.

Offline D93

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Re: credit score
« Reply #1352 on: November 12, 2015, 04:06:19 PM »
Maybe the mods should merge this thread with this one.

Offline etech0

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Re: credit score
« Reply #1353 on: November 12, 2015, 04:21:26 PM »
Again, don't use Chase. I'm going to stop answering that question as I have already been clear.
Ah, I didn't realize that using another bank would fix that problem.

So if you're not using chase, you can always use the same card for the $2 one. CMIIW
Workflowy. You won't know what you're missing until you try it.

Offline Mendelssohn

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Re: credit score
« Reply #1354 on: November 12, 2015, 05:03:08 PM »
Correct. Use another issuer and PIF after the statement cuts.

Offline etech0

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Re: credit score
« Reply #1355 on: November 12, 2015, 05:55:19 PM »
Correct. Use another issuer and PIF after the statement cuts.
Great - thanks so much for your explanations and patience!!

One more question: I'm assuming that this only applies to primary cards, is that correct? In other words, if I have an AU card on someone else's account, the amount they owe won't have any bearing on the $2 trick.
Workflowy. You won't know what you're missing until you try it.

Offline Mendelssohn

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Re: credit score
« Reply #1356 on: November 12, 2015, 05:59:39 PM »
Your AU cards should report $0.

Offline etech0

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Re: credit score
« Reply #1357 on: November 12, 2015, 06:02:18 PM »
Your AU cards should report $0.
Do you mean I should get them to report $0, or that they automatically do?
TIA
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Offline Mendelssohn

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Re: credit score
« Reply #1358 on: November 12, 2015, 06:05:49 PM »
You need to pay them to $0 before the statements cut. That counts in utilization.

Offline D93

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Re: credit score
« Reply #1359 on: November 12, 2015, 06:17:30 PM »
You need to pay them to $0 before the statements cut. That counts in utilization.

Tell me about it.... I was an AU on a card closing with $20k a month, after I had it removed from my report my score shot way up :)