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 810338 times)

Offline David Smith

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Re: credit score
« Reply #1380 on: November 12, 2015, 10:42:42 PM »
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.
That's a great idea. You don't just know the game, you're smart too. Glad you're on the forums!
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
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Offline Zalc

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Re: credit score
« Reply #1381 on: November 12, 2015, 10:47:49 PM »
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.
Thank you!

It's a bank of america card, would you happen to know how they treat closed AU?

If it would get removed, I think the hit to AAOA would overrule the gain from this...

Offline D93

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Re: credit score
« Reply #1382 on: November 13, 2015, 02:30:09 AM »
Did getting yourself removed from their account enough to stop the reporting? Or did you need to dispute the account from your credit report?

The same day I removed myself as an AU, I disputed the account with the CB's, and the CB's removed it - TU 3 days later and EX 3 weeks later. (the account wasn't showing on my EQ)

Offline PillanSmye

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Re: credit score
« Reply #1383 on: November 13, 2015, 02:50:14 AM »
It's a bank of america card, would you happen to know how they treat closed AU?

If it would get removed, I think the hit to AAOA would overrule the gain from this...

Really not sure.  I don't know if the banks remove the AU listings, or the CRA's (when they disappear themselves without a dispute).  So I am not sure if different banks handle it differently.  I suppose its very possible that some banks automatically request deletion of the trade line for an AU account after it is closed.

I've never been an AU, so my experience/research on them has only gone so deep... 


Offline PillanSmye

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Re: credit score
« Reply #1384 on: November 13, 2015, 03:10:33 AM »
I cleaned up the wiki and added some new ones.

It's important to know what the score is you are looking at.  Citi for example doesn't give a standard EQ FICO 08 with an 850 range.  They supply an EQ Bankcard enhanced score with a 900 range.

Offline David Smith

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Re: credit score
« Reply #1385 on: November 13, 2015, 03:23:05 AM »
I cleaned up the wiki and added some new ones.

It's important to know what the score is you are looking at.  Citi for example doesn't give a standard EQ FICO 08 with an 850 range.  They supply an EQ Bankcard enhanced score with a 900 range.
Thanks.
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

Online noturbizniss

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Re: credit score
« Reply #1386 on: November 13, 2015, 06:48:16 AM »
When preparing to mortgage shop What's the best act no offer to get? Myfico? Who gives all scores, or at least the ones mortgage lenders use?
READ THE DARN WIKI!!!!

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Offline Mendelssohn

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Re: credit score
« Reply #1387 on: November 13, 2015, 07:04:55 AM »
When preparing to mortgage shop What's the best act no offer to get? Myfico? Who gives all scores, or at least the ones mortgage lenders use?

MF gives 04 scores as part if the other scores you get.

DCU for EQ and PSECU for EX.

Online noturbizniss

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Re: credit score
« Reply #1388 on: November 13, 2015, 07:09:46 AM »
MF gives 04 scores as part if the other scores you get.

DCU for EQ and PSECU for EX.
And Myfico gives all 3 bureaus right?
READ THE DARN WIKI!!!!

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...READS THE WIKI!!!

Offline Mendelssohn

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Re: credit score
« Reply #1389 on: November 13, 2015, 07:14:25 AM »
And Myfico gives all 3 bureaus right?

Yes.

Online noturbizniss

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Re: credit score
« Reply #1390 on: November 13, 2015, 07:17:26 AM »
Yes.
Thanks much! Do you have an alert set for this board?
READ THE DARN WIKI!!!!

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Offline Mendelssohn

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Re: credit score
« Reply #1391 on: November 13, 2015, 07:19:38 AM »
No. I'm up early drinking my coffee. ;)

Offline benjie1305

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Re: credit score
« Reply #1392 on: November 13, 2015, 07:38:21 AM »
No. I'm up early drinking my coffee. ;)

+1 to that.

I think we should look into a Credit Board. But then again, CB already exists.  :D
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Offline Mendelssohn

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Re: credit score
« Reply #1393 on: November 13, 2015, 08:04:34 AM »
CB is by far the best. Don't even think about MF. There's a lot of misinformation there, and because of the relationship with FICO, not all topics are allowed.

Online noturbizniss

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Re: credit score
« Reply #1394 on: November 13, 2015, 08:43:41 AM »
CB is by far the best. Don't even think about MF. There's a lot of misinformation there, and because of the relationship with FICO, not all topics are allowed.
Ive dabbled on CB but it's so huge and daunting
READ THE DARN WIKI!!!!

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Online noturbizniss

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Re: credit score
« Reply #1395 on: November 13, 2015, 08:49:54 AM »
As far as scores and CR go, is it confirmed that I can carry huge balances on business cards and it has no impact?
READ THE DARN WIKI!!!!

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Offline coralsnake

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Re: credit score
« Reply #1396 on: November 13, 2015, 09:16:28 AM »
As far as scores and CR go, is it confirmed that I can carry huge balances on business cards and it has no impact?
Doesnt report so can't have an impact whatsoever. Except for Crap1.
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Offline ydf

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Re: credit score
« Reply #1397 on: November 17, 2015, 09:27:03 PM »
does using my card and paying it every month make my score better then just having the card open and not using it? meaning to ask does it pay to rather split my purchases every month to all my cards and pay it off then rather using 1 card (and do the $2 trick) and not using my other cards?

Offline Marko Rubio

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Re: credit score
« Reply #1398 on: November 17, 2015, 09:38:16 PM »
does using my card and paying it every month make my score better then just having the card open and not using it? meaning to ask does it pay to rather split my purchases every month to all my cards and pay it off then rather using 1 card (and do the $2 trick) and not using my other cards?
would anyone know the answer on this question? I also wana know do I gain anything of having activity every month on every card?
Do u have any different idea for a signature?

Offline David Smith

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Re: credit score
« Reply #1399 on: November 17, 2015, 09:41:01 PM »
would anyone know the answer on this question? I also wana know do I gain anything of having activity every month on every card?
Only need to have balance report in one card for credit score purposes. Don't let to many months go by with zero activity on a card, or it may get shut.
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