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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 »

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Author Topic: credit score  (Read 837192 times)

Offline Mendelssohn

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Re: credit score
« Reply #2560 on: March 09, 2016, 12:57:58 AM »
Quote from: newdealseeker on March 09, 2016, 12:56:01 AM
A little off topic:
If I would be a signer on a commercial mortgage, would it show up on my personal credit report as having an installment loan?

I have no idea how commercial mortgages report, but I would assume that it would not report to personal credit.
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Offline newdealseeker

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Re: credit score
« Reply #2561 on: March 09, 2016, 01:00:18 AM »
Quote from: Mendelssohn on March 09, 2016, 12:57:58 AM
I have no idea how commercial mortgages report, but I would assume that it would not report to personal credit.
Thanks.
And I would assume that just like with Biz cards, if it would be delinquent, then it would report, right?
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Offline Mendelssohn

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Re: credit score
« Reply #2562 on: March 09, 2016, 01:02:13 AM »
Quote from: newdealseeker on March 09, 2016, 01:00:18 AM
Thanks.
And I would assume that just like with Biz cards, if it would be delinquent, then it would report, right?

It would depend on how the mortgage was set up. 
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Offline newdealseeker

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Re: credit score
« Reply #2563 on: March 09, 2016, 01:03:43 AM »
Quote from: Mendelssohn on March 09, 2016, 01:02:13 AM
It would depend on how the mortgage was set up.
They do request all income information for both the business and the signers. And they do pull the personal credit report/score.
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Offline Mendelssohn

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Re: credit score
« Reply #2564 on: March 09, 2016, 01:07:40 AM »
Quote from: newdealseeker on March 09, 2016, 01:03:43 AM
They do request all income information for both the business and the signers. And they do pull the personal credit report/score.

I've never had a commercial mortgage.  I'm sure they check personal credit.
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Offline newdealseeker

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Re: credit score
« Reply #2565 on: March 09, 2016, 01:08:53 AM »
Quote from: Mendelssohn on March 09, 2016, 01:07:40 AM
I've never had a commercial mortgage.  I'm sure they check personal credit.
I know that they check it prior to approval. I'm just wondering how it affects the personal report after approval.
Thanks anyway.
And thanks for EVERYTHING so far!
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Offline Mendelssohn

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Re: credit score
« Reply #2566 on: March 09, 2016, 01:24:11 AM »
Quote from: newdealseeker on March 09, 2016, 01:08:53 AM
I know that they check it prior to approval. I'm just wondering how it affects the personal report after approval.
Thanks anyway.
And thanks for EVERYTHING so far!

If it doesn't report, the only impact would be the inquiries which count for almost nothing.

Thanks!  I try to contribute what I can here.
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Offline D93

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Re: credit score
« Reply #2567 on: March 09, 2016, 04:20:37 AM »
Quote from: CollegeGirl on March 08, 2016, 07:55:16 PM
Making someone an AU on a Business Platinum will/will not build her credit?

Quote from: D93 on March 07, 2016, 05:57:35 PM
Will not.
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Offline D93

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Re: credit score
« Reply #2568 on: March 09, 2016, 04:20:54 AM »
Quote from: noturbizniss on March 08, 2016, 10:50:18 PM
Amex biz and all biz show on cr. They just don't report balances.

-1
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Offline emjee

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Re: credit score
« Reply #2569 on: March 09, 2016, 07:56:13 AM »
Collegegirl.  Stick with mendelsohn's (& the rest if the CB crew) opinion is a general rule here I think. However, if you want clear advice , maybe start off with stating which credit cards you currently have for yourself and then you can be advised which one to ad her as an AU on. (My experience with helping building credit is that I added family on to my old first cap1 & chase cards. TG  I have a  pretty good report from over the years and after about 3-6 months they were either targeted from banks or approved for the easier accepting credit cards)
Good luck
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Offline CS91

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Re: credit score
« Reply #2570 on: March 09, 2016, 08:09:26 AM »
Has anyone recently been able to get an Amex AU account removed from a CR (EQ or EX)? I'm specifically asking when you're an AU on someone else's account (i.e. I'm an AU on my wife's account) and NOT when I'm an AU on my own account. Tried doing it for me and my wife and neither of them worked. The CB just "updated" the info and basically confirmed that it belongs on our CRs.
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Offline benjie1305

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Re: credit score
« Reply #2571 on: March 09, 2016, 08:16:11 AM »
Quote from: CS91 on March 09, 2016, 08:09:26 AM
Has anyone recently been able to get an Amex AU account removed from a CR (EQ or EX)? I'm specifically asking when you're an AU on someone else's account (i.e. I'm an AU on my wife's account) and NOT when I'm an AU on my own account. Tried doing it for me and my wife and neither of them worked. The CB just "updated" the info and basically confirmed that it belongs on our CRs.

Yes.
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Offline theblakdavid

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Re: credit score
« Reply #2572 on: March 09, 2016, 08:22:04 AM »
Quote from: CS91 on March 09, 2016, 08:09:26 AM
Has anyone recently been able to get an Amex AU account removed from a CR (EQ or EX)? I'm specifically asking when you're an AU on someone else's account (i.e. I'm an AU on my wife's account) and NOT when I'm an AU on my own account. Tried doing it for me and my wife and neither of them worked. The CB just "updated" the info and basically confirmed that it belongs on our CRs.
Are you AU with SSN? I just removed 5 amex au accounts from all 3 ca, with no issues.
« Last Edit: March 09, 2016, 08:25:23 AM by theblakdavid »
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Offline CS91

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Re: credit score
« Reply #2573 on: March 09, 2016, 08:24:24 AM »
Quote from: benjie1305 on March 09, 2016, 08:16:11 AM
Yes.
How long ago? And how did you go about doing it?

Quote from: theblakdavid on March 09, 2016, 08:22:04 AM
Are you AU with SSN? I just removed 5 amex au accounts from all 3 cb, with no issues.
Yes, with SSN. Could that be causing the issue?
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Offline benjie1305

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Re: credit score
« Reply #2574 on: March 09, 2016, 08:25:43 AM »
Quote from: CS91 on March 09, 2016, 08:24:24 AM
How long ago? And how did you go about doing it?

I had it with SSN. I called EX and told them about X number of accounts that should not be showing as I am an AU on them. They noted and processed it. I checked back a few weeks later and they were gone.
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Offline theblakdavid

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Re: credit score
« Reply #2575 on: March 09, 2016, 08:27:35 AM »
Quote from: CS91 on March 09, 2016, 08:24:24 AM
Yes, with SSN. Could that be causing the issue?

IMHO. I disputed my au accounts this week. I said they weren't my accounts. I'm assuming amex couldn't confirm they were mine since all they had was my name, not my SSN. Don't know what happens with SSN though. Try cancelling the cards first, then disputing.
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Offline theblakdavid

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Re: credit score
« Reply #2576 on: March 09, 2016, 08:28:45 AM »
Quote from: benjie1305 on March 09, 2016, 08:25:43 AM
I had it with SSN. I called EX and told them about X number of accounts that should not be showing as I am an AU on them. They noted and processed it. I checked back a few weeks later and they were gone.
Were the accounts still active when you disputed them?
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Offline benjie1305

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Re: credit score
« Reply #2577 on: March 09, 2016, 08:43:41 AM »
Quote from: theblakdavid on March 09, 2016, 08:28:45 AM
Were the accounts still active when you disputed them?

Yes.
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Offline theblakdavid

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Re: credit score
« Reply #2578 on: March 09, 2016, 08:45:31 AM »
Quote from: benjie1305 on March 09, 2016, 08:43:41 AM
Yes.
Good to know. I cancelled mine before the dispute just in case. Thanks.
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Offline hide4

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Re: credit score
« Reply #2579 on: March 09, 2016, 02:49:50 PM »
How often does Amex check your score?
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