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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 809675 times)

Offline etech0

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Re: credit score
« Reply #1360 on: November 12, 2015, 06:22:01 PM »
You need to pay them to $0 before the statements cut. That counts in utilization.
So basically I have to get rid of my AU card on my parent's CC, in order to do the $2 trick.

Okay, thanks!
Workflowy. You won't know what you're missing until you try it.

Offline Mendelssohn

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Re: credit score
« Reply #1361 on: November 12, 2015, 06:38:23 PM »
So basically I have to get rid of my AU card on my parent's CC, in order to do the $2 trick.

Okay, thanks!

Yep.

Offline PillanSmye

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Re: credit score
« Reply #1362 on: November 12, 2015, 09:09:13 PM »
But if chase is randomly reporting.... Then how can you always make sure that you only have $2 and that's all?

Who said Chase is "randomly" reporting? 

Chase reports when your statement cuts, and if you PIF.  There is nothing "random" about it.

Offline etech0

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Re: credit score
« Reply #1363 on: November 12, 2015, 09:12:34 PM »
Who said Chase is "randomly" reporting? 

Chase reports when your statement cuts, and if you PIF.  There is nothing "random" about it.
And, if your Chase statements always cut with $0 balance, it doesn't matter if they randomly update.

IOW, (if I understand correctly), any amount of 'debt' you have (ie: what you owe the CC company) will never get sent to your credit report until there's a statement for it. If you pay it off before the statement closes, as far as your credit report goes, you never owed it.
Workflowy. You won't know what you're missing until you try it.

Offline Mendelssohn

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Re: credit score
« Reply #1364 on: November 12, 2015, 09:17:04 PM »
And, if your Chase statements always cut with $0 balance, it doesn't matter if they randomly update.

IOW, (if I understand correctly), any amount of 'debt' you have (ie: what you owe the CC company) will never get sent to your credit report until there's a statement for it. If you pay it off before the statement closes, as far as your credit report goes, you never owed it.

Payment history is reported.

Offline etech0

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Re: credit score
« Reply #1365 on: November 12, 2015, 09:19:21 PM »
Payment history is reported.
Aha. But that's unrelated to the $2 trick?
Workflowy. You won't know what you're missing until you try it.

Offline PillanSmye

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Re: credit score
« Reply #1366 on: November 12, 2015, 09:23:46 PM »
Maybe the mods should merge this thread with this one.

No, that thread gives me a headache.

Offline PillanSmye

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Re: credit score
« Reply #1367 on: November 12, 2015, 09:25:06 PM »
And, if your Chase statements always cut with $0 balance, it doesn't matter if they randomly update.

It doesn't matter if they randomly update, because they don't randomly update.

Offline PillanSmye

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Re: credit score
« Reply #1368 on: November 12, 2015, 09:26:55 PM »


You should spend some time on CB reading about how CRA's and the entire system works.

After you have a basic grasp, do a search for the Master Graphs thread and look through it.

Offline yochiek93

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Re: credit score
« Reply #1369 on: November 12, 2015, 09:27:29 PM »
Who said Chase is "randomly" reporting? 

Chase reports when your statement cuts, and if you PIF.  There is nothing "random" about it.
Maybe you misunderstood what I meant by random what I meant was could be more then once in a month

Offline Marko Rubio

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Re: credit score
« Reply #1370 on: November 12, 2015, 09:34:25 PM »
this $2 trick sounds awesome I just have 1 question will all my cc that are closing with a $0 balance still update my payment history? don't I need to leave a small balance on each card when statement close to update my payment history each month on all cards?
Do u have any different idea for a signature?

Offline yochiek93

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Re: credit score
« Reply #1371 on: November 12, 2015, 09:36:00 PM »
this $2 trick sounds awesome I just have 1 question will all my cc that are closing with a $0 balance still update my payment history? don't I need to leave a small balance on each card when statement close to update my payment history each month on all cards?
Payment history is reported.
trying to fix up your credit? ;)

Offline Marko Rubio

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Re: credit score
« Reply #1372 on: November 12, 2015, 09:38:50 PM »

but I remember mendelshon saying somewhere (I think on other thread) that "most" banks will update payment history so its most not all, any idea which banks do and which not?
Do u have any different idea for a signature?

Offline PillanSmye

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Re: credit score
« Reply #1373 on: November 12, 2015, 09:45:26 PM »
If you use a card during the month, then the account has activity and a statement gets generated, whether you have a balance when the statement is cut or not.

Many banks will generate a statement on a $0 balance account even without activity.

You can trick store cards issued by the likes of Comenity and Synchrony, as well as a lot of credit unions into generating statements and reporting to the CRA's by pushing $1 from your checking account to the card account.  Even though you have a $1 credit, this will show up as activity, force them to generate a statement, force them to report.  Comenity and Sync will mail you a refund check, credit unions will either carry the $1 credit, or transfer the credit out to your share account.

Offline ari2955

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Re: credit score
« Reply #1374 on: November 12, 2015, 09:48:04 PM »
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 :)
Did getting yourself removed from their account enough to stop the reporting? Or did you need to dispute the account from your credit report?

Offline PillanSmye

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Re: credit score
« Reply #1375 on: November 12, 2015, 09:55:47 PM »
Did getting yourself removed from their account enough to stop the reporting? Or did you need to dispute the account from your credit report?

That's hit or miss.  Sometimes AU's will just disappear when closed.  Sometimes they will stick.

If you want it gone, a simple letter to the CRA's stating you were not financially liable for this account will get it gone.

Offline etech0

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Re: credit score
« Reply #1376 on: November 12, 2015, 10:00:56 PM »
You should spend some time on CB reading about how CRA's and the entire system works.

After you have a basic grasp, do a search for the Master Graphs thread and look through it.
It's on my todo list :)

Thanks!
Workflowy. You won't know what you're missing until you try it.

Offline Zalc

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Re: credit score
« Reply #1377 on: November 12, 2015, 10:12:50 PM »
Will removing a old AU card hurt my AAOA?

It is several years older than my oldest individual account.

If not, I'd like to take it off as the person responsible always lets it close with a balance. Makes sense?

Offline ari2955

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Re: credit score
« Reply #1378 on: November 12, 2015, 10:15:59 PM »
That's hit or miss.  Sometimes AU's will just disappear when closed.  Sometimes they will stick.

If you want it gone, a simple letter to the CRA's stating you were not financially liable for this account will get it gone.
Thanks!

You should spend some time on CB reading about how CRA's and the entire system works.

After you have a basic grasp, do a search for the Master Graphs thread and look through it.
I would also be interested in this. Mind pointing me to a specific thread on CB to start (CB just looks scary to me, I get lost on that site..  :-\)

Offline PillanSmye

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Re: credit score
« Reply #1379 on: November 12, 2015, 10:32:31 PM »
Will removing a old AU card hurt my AAOA?

It is several years older than my oldest individual account.

If not, I'd like to take it off as the person responsible always lets it close with a balance. Makes sense?

The best thing to do would be to get the AU card to report a $0 balance one month, then close the card.  If you get lucky, the card would stay on your credit files with a $0 balance for 10 years.