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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 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 ExGingi on March 04, 2019, 09:04:57 PM »

Author Topic: credit score  (Read 446510 times)

Offline D93

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Re: credit score
« Reply #2415 on: March 01, 2016, 06:34:58 PM »
I do it when I can, yes.

And no need to be insulting just because you don't understand some things about credit.

I've tried to learn what I can here and share what I know. This attitude from people here about things you DON'T understand is getting old.

So when a recon reps asks "I see you have 15 inquires recently, why are you seeking so much credit?". How should I go about answering?

Offline Mendelssohn

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Re: credit score
« Reply #2416 on: March 01, 2016, 06:36:29 PM »
So when a recon reps asks "I see you have 15 inquires recently, why are you seeking so much credit?". How should I go about answering?

With which creditor and which phone number are you using?

Offline D93

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Re: credit score
« Reply #2417 on: March 01, 2016, 06:41:28 PM »
With which creditor and which phone number are you using?

Chase personal 1-888-245-0625.

Offline Mendelssohn

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Re: credit score
« Reply #2418 on: March 01, 2016, 06:49:30 PM »
Chase: I see you've opened up a lot of credit recently. Why do you want the BA card?"

Me: well I had been using my United a lot, but I am planning on flying AA a lot more since they own my local airport. It would compliment my UR cards very well.

Chase: well I do see that you use all of your cards and have a history of making large purchases and paying in full. It also appears that you use all of your cards regularly and didn't stop using them after the signup bonus.

Me: yes, Chase and Amex get most of my business and you'll notice that I don't carry any balances. I hate paying CC interest and manage my cards closely.

Chase: Normally this application would be denied, but since you have a good history with Chase and use all of your cards regularly I am going to approve your application.

That was my last conversation on a Chase recon call after they reviewed my report and application for a few minutes.

Offline newdealseeker

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Re: credit score
« Reply #2419 on: March 01, 2016, 06:52:12 PM »
I do it when I can, yes.

And no need to be insulting just because you don't understand some things about credit.

I've tried to learn what I can here and share what I know. This attitude from people here about things you DON'T understand is getting old.
I was denied because I have too many new accounts. What would you say? I tried 2 times and then gave up. It was a waste of a pull.

Offline Mendelssohn

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Re: credit score
« Reply #2420 on: March 01, 2016, 06:56:42 PM »
I was denied because I have too many new accounts. What would you say? I tried 2 times and then gave up. It was a waste of a pull.

What does the rest or your report look like?

Oldest account age?
$2 trick?
A lot of short term cards?
Internal history of only using cards for the bonus?
Heavy usage?

Offline newdealseeker

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Re: credit score
« Reply #2421 on: March 01, 2016, 06:59:15 PM »
Chase: I see you've opened up a lot of credit recently. Why do you want the BA card?"

Me: well I had been using my United a lot, but I am planning on flying AA a lot more since they own my local airport. It would compliment my UR cards very well.

Chase: well I do see that you use all of your cards and have a history of making large purchases and paying in full. It also appears that you use all of your cards regularly and didn't stop using them after the signup bonus.

Me: yes, Chase and Amex get most of my business and you'll notice that I don't carry any balances. I hate paying CC interest and manage my cards closely.

Chase: Normally this application would be denied, but since you have a good history with Chase and use all of your cards regularly I am going to approve your application.

That was my last conversation on a Chase recon call after they reviewed my report and application for a few minutes.
By me I tried explaining that I have excellent credit history with them. And they agreed. And that I really want a CSP for its travel benefits, a card which I don't have. So they told me that I can upgrade my "un"preferred to preferred.
I was basically going around in circles.

Offline newdealseeker

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Re: credit score
« Reply #2422 on: March 01, 2016, 07:05:43 PM »
What does the rest or your report look like?

Oldest account age?
$2 trick?
A lot of short term cards?
Internal history of only using cards for the bonus?
Heavy usage?
Oldest account is 7.5 years.
Short term only business charge cards, though they do show up on my report.
Internal use: I have 2 Freedom cards which are my everyday spend card, plus a Sapphire card. The only card I have only for the bonus is a co-branded airline card which I didn't use after bonus. That's it.
Most of my cards closed soon after opening are not Chase.

Offline Mendelssohn

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Re: credit score
« Reply #2423 on: March 01, 2016, 07:13:15 PM »
Oldest account is 7.5 years.
Short term only business charge cards, though they do show up on my report.
Internal use: I have 2 Freedom cards which are my everyday spend card, plus a Sapphire card. The only card I have only for the bonus is a co-branded airline card which I didn't use after bonus. That's it.
Most of my cards closed soon after opening are not Chase.

Are you talking about a Chase Biz app?  They won't check your Biz report for a personal card.

How many new Biz cards?

How many cards are on your report that were closed after a few months?

$2 trick or no? How much reported utilization?

How much usage on your Chase cards?

How many Amex AUs do you have reporting?

I already have a good idea of a few reasons. Some of the things I see people do here make their reports stand out as a churner. That's only part of it.

Offline PETERP

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Re: credit score
« Reply #2424 on: March 01, 2016, 08:28:23 PM »
Chase: I see you've opened up a lot of credit recently. Why do you want the BA card?"

Me: well I had been using my United a lot, but I am planning on flying AA a lot more since they own my local airport. It would compliment my UR cards very well.

Chase: well I do see that you use all of your cards and have a history of making large purchases and paying in full. It also appears that you use all of your cards regularly and didn't stop using them after the signup bonus.

Me: yes, Chase and Amex get most of my business and you'll notice that I don't carry any balances. I hate paying CC interest and manage my cards closely.

Chase: Normally this application would be denied, but since you have a good history with Chase and use all of your cards regularly I am going to approve your application.

That was my last conversation on a Chase recon call after they reviewed my report and application for a few minutes.


I would think the fact that you use all of your carsds  regularly , as opposed to many of us who open them , and then put them in the sock drawer is an important consideration .

I will try spreading my spending around. Re history of large purchases , any of that MS ?

Offline Venilla

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Re: credit score
« Reply #2425 on: March 01, 2016, 08:32:54 PM »
I've tried to learn what I can here and share what I know.
I'm all ears :)


Oldest account age? 21 but my AAoA is very low... I've gotten too many bonuses :)
$2 trick? No
A lot of short term cards? Many, otherwise I wouldn't be able to get the bonus on the cards like the Amex Platinum, Citi Prestige without paying $450...
Internal history of only using cards for the bonus? I try to use all my cards every so often.
Heavy usage? How do you manage to utilize all of your cards? I have over 25 active accounts, impossible to use them all...
« Last Edit: March 01, 2016, 08:39:13 PM by Venilla »
I like vanilla but my name is Venilla.

Offline PETERP

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Re: credit score
« Reply #2426 on: March 01, 2016, 09:29:12 PM »
I'm all ears :)


Oldest account age? 21 but my AAoA is very low... I've gotten too many bonuses :)
$2 trick? No
A lot of short term cards? Many, otherwise I wouldn't be able to get the bonus on the cards like the Amex Platinum, Citi Prestige without paying $450...
Internal history of only using cards for the bonus? I try to use all my cards every so often.
Heavy usage? How do you manage to utilize all of your cards? I have over 25 active accounts, impossible to use them all...

Have you been looking at my notes  :) Similar problems , same questions .

Offline Zalc

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Re: credit score
« Reply #2427 on: March 01, 2016, 09:52:27 PM »


I already have a good idea of a few reasons. Some of the things I see people do here make their reports stand out as a churner. That's only part of it.
So how would someone without a large spending ability "not stand out as a churner" when they have 15+ open accounts?

What's the other part of it?

Offline newdealseeker

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Re: credit score
« Reply #2428 on: March 01, 2016, 10:31:08 PM »
Are you talking about a Chase Biz app?  They won't check your Biz report for a personal card.

How many new Biz cards?

How many cards are on your report that were closed after a few months?

$2 trick or no? How much reported utilization?

How much usage on your Chase cards?

How many Amex AUs do you have reporting?

I already have a good idea of a few reasons. Some of the things I see people do here make their reports stand out as a churner. That's only part of it.
Not a biz app, a Sapphire preferred.
About 8 closed Biz cards.
I started $2 trick only after that application.
My Chase card usage is very nice. Of course it varies from month to month but I don't have that many Chase cards and mostly use all of them every month. But then I usually paid them down to $0 even before statement closing. (Now I leave $2 on one of them.) So I don't know if internally they realize that they're all being used.
And only 1-2 Amex AUs.
« Last Edit: March 01, 2016, 10:58:46 PM by newdealseeker »

Offline yochiek93

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Re: credit score
« Reply #2429 on: March 01, 2016, 10:39:26 PM »


Not a biz app, a Sapphire preferred.
About 8 closed Biz cards.
I started $2 trick only after that application.
My Chase card usage is very nice. Of course it varies from month to month but I don't have that money and mostly use them all every month. But then I usually paid them down to $0 even before statement closing. (Now I leave $2 on one of them.) So I don't know if internally they realize that they're all being used.
And only 1-2 Amex AUs.

Why wouldn't they realize that you used it won't look like high utilization on your CR but they know if it was used