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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 838356 times)

Offline newdealseeker

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Re: credit score
« Reply #2740 on: April 06, 2016, 10:12:36 AM »
Quote from: benjie1305 on April 06, 2016, 07:05:45 AM
Average size if you go by the DDF standard.
Where can I see those standards that you can have that many cards?
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Offline eliraps

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Re: credit score
« Reply #2741 on: April 06, 2016, 10:17:33 AM »
I feel for all the people (myself somewhat included) who made a lot of AUs and didn't get to use them for SBS and then just got more into trouble with 5/24....
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Offline newdealseeker

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Re: credit score
« Reply #2742 on: April 06, 2016, 10:24:46 AM »
Quote from: eliraps on April 06, 2016, 10:17:33 AM
I feel for all the people (myself somewhat included) who made a lot of AUs and didn't get to use them for SBS and then just got more into trouble with 5/24....
+1
 :'( :'(
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Offline pixi

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Re: credit score
« Reply #2743 on: April 06, 2016, 11:12:11 AM »
Quote from: David Smith on March 24, 2016, 10:42:17 AM
Interesting, I added a couple of amex AUs in my name with my SSN (name didn't match exactly, but basically did), and they never showed up on my report.
What are you gaining by doing this?
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Offline mochjas

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Re: credit score
« Reply #2744 on: April 06, 2016, 04:33:16 PM »
Quote from: eliraps on April 06, 2016, 10:17:33 AM
I feel for all the people (myself somewhat included) who made a lot of AUs and didn't get to use them for SBS and then just got more into trouble with 5/24....
you should not get into trouble with 5/24 if you add the AUs the right way.
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Offline noturbizniss

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Re: credit score
« Reply #2745 on: April 06, 2016, 05:47:28 PM »
Quote from: mochjas on April 06, 2016, 04:33:16 PM
you should not get into trouble with 5/24 if you add the AUs the right way.
+1 isn't 5/24 for new accounts in your name? CR specifically differentiates between AU and actual account holder.
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Offline chinagel

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Re: credit score
« Reply #2746 on: April 06, 2016, 05:52:15 PM »
Quote from: noturbizniss on April 06, 2016, 05:47:28 PM
+1 isn't 5/24 for new accounts in your name? CR specifically differentiates between AU and actual account holder.
but computer doesnt
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Offline benjie1305

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Re: credit score
« Reply #2747 on: April 06, 2016, 05:53:27 PM »

Quote from: chinagel on April 06, 2016, 05:52:15 PM
but computer doesnt

If you are on the phone with recon, they definitely can tell the difference.
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Offline chinagel

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Re: credit score
« Reply #2748 on: April 06, 2016, 05:56:17 PM »
Quote from: benjie1305 on April 06, 2016, 05:53:27 PM
If you are on the phone with recon, they definitely can tell the difference.
i'd rather not talk to recon nowadays they'll see everything else. though i guess if u have less than 5 primary cc's in 2 years it doesnt matter
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Offline noturbizniss

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Re: credit score
« Reply #2749 on: April 06, 2016, 06:00:03 PM »
Quote from: chinagel on April 06, 2016, 05:52:15 PM
but computer doesnt
I disagree. The same program let owing for new accounts could look at type of account
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Offline chinagel

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Re: credit score
« Reply #2750 on: April 06, 2016, 06:06:36 PM »
Quote from: noturbizniss on April 06, 2016, 06:00:03 PM
I disagree. The same program let owing for new accounts could look at type of account
iirc there were reports of people getting declined because of 5/24 and after explaining to recon that it was AUs then getting approved
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Offline noturbizniss

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Re: credit score
« Reply #2751 on: April 06, 2016, 06:07:24 PM »
Quote from: chinagel on April 06, 2016, 06:06:36 PM
iirc there were reports of people getting declined because of 5/24 and after explaining to recon that it was AUs then getting approved
Well then,  I stand corrected, and that is ridiculous.
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Offline chinagel

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Re: credit score
« Reply #2752 on: April 06, 2016, 06:10:27 PM »
Quote from: noturbizniss on April 06, 2016, 06:07:24 PM
Well then,  I stand corrected, and that is ridiculous.
everything that happens on this forum is ridiculous
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Offline benjie1305

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Re: credit score
« Reply #2753 on: April 06, 2016, 07:13:23 PM »
I had way over 5/24 and got approved via recon and that with many aus.
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Offline David Smith

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Re: credit score
« Reply #2754 on: April 06, 2016, 07:15:20 PM »
Quote from: benjie1305 on April 06, 2016, 07:13:23 PM
I had way over 5/24 and got approved via recon and that with many aus.
For a CSP?
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Offline benjie1305

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Re: credit score
« Reply #2755 on: April 06, 2016, 07:30:56 PM »
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Offline David Smith

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Re: credit score
« Reply #2756 on: April 06, 2016, 07:32:55 PM »
Quote from: benjie1305 on April 06, 2016, 07:30:56 PM
No.
What does that have to do with 5/24, then?
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Offline benjie1305

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Re: credit score
« Reply #2757 on: April 06, 2016, 07:34:43 PM »

Quote from: David Smith on April 06, 2016, 07:32:55 PM
What does that have to do with 5/24, then?

Was a freedom.
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Offline David Smith

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Re: credit score
« Reply #2758 on: April 06, 2016, 07:36:56 PM »
Quote from: benjie1305 on April 06, 2016, 07:34:43 PM
Was a freedom.
Aha. Freedom Unlimited? (Why else would someone be over 5/24 and not have a Freedom yet?)
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Offline benjie1305

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Re: credit score
« Reply #2759 on: April 06, 2016, 07:37:48 PM »

Quote from: David Smith on April 06, 2016, 07:36:56 PM
Aha. Freedom Unlimited? (Why else would someone be over 5/24 and not have a Freedom yet?)

Was for the wife and there are many reasons that she was over 5/24 and hasn't had it yet.
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