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 »

« previous next »
Pages: 1 ... 160 161 162 163 164 165 [166] 167 168 169 170 171 172 ... 226   Go Down

Author Topic: credit score  (Read 988276 times)

Offline JTZ

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Apr 2016
  • Posts: 2103
  • Total likes: 231
  • DansDeals.com Hat Tips 1
    • View Profile
Re: credit score
« Reply #3300 on: December 26, 2016, 01:34:32 PM »
Quote from: mmgfarb on December 26, 2016, 01:31:32 PM
Fako
What about the score with the Slate card?
Logged
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline since1492

  • Dansdeals Gold Elite
  • ***
  • Join Date: Nov 2016
  • Posts: 169
  • Total likes: 3
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Location: ירושלים
Re: credit score
« Reply #3301 on: December 26, 2016, 01:35:45 PM »
Quote from: mmgfarb on December 26, 2016, 01:31:32 PM
Fako
can you give me a link to get a free fako from chase
Logged
the masmid atzum
מאז

Offline JTZ

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Apr 2016
  • Posts: 2103
  • Total likes: 231
  • DansDeals.com Hat Tips 1
    • View Profile
Re: credit score
« Reply #3302 on: December 26, 2016, 01:36:36 PM »
Logged
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline mmgfarb

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2015
  • Posts: 8430
  • Total likes: 1142
  • DansDeals.com Hat Tips 4
    • View Profile
Re: credit score
« Reply #3303 on: December 26, 2016, 01:38:41 PM »
Quote from: JTZ on December 26, 2016, 01:34:32 PM
What about the score with the Slate card?
Fico
Logged
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline JTZ

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Apr 2016
  • Posts: 2103
  • Total likes: 231
  • DansDeals.com Hat Tips 1
    • View Profile
Re: credit score
« Reply #3304 on: December 26, 2016, 02:03:46 PM »
Logged
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline foseph

  • Dansdeals Platinum Elite
  • ****
  • Join Date: May 2015
  • Posts: 410
  • Total likes: 10
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: NYC
Re: credit score
« Reply #3305 on: December 26, 2016, 02:27:09 PM »
Quote from: JTZ on December 26, 2016, 01:08:42 PM
Link please? I have not seen one site that does that.
at the  top, under "Rewards & Offers" at the top, there's a link for "Your FICO Score"
Logged

Offline JTZ

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Apr 2016
  • Posts: 2103
  • Total likes: 231
  • DansDeals.com Hat Tips 1
    • View Profile
Re: credit score
« Reply #3306 on: December 26, 2016, 02:35:34 PM »
Quote from: foseph on December 26, 2016, 02:27:09 PM
at the  top, under "Rewards & Offers" at the top, there's a link for "Your FICO Score"
Then it is a FICO score.
Logged
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline foseph

  • Dansdeals Platinum Elite
  • ****
  • Join Date: May 2015
  • Posts: 410
  • Total likes: 10
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: NYC
Re: credit score
« Reply #3307 on: December 26, 2016, 02:44:17 PM »
Quote from: JTZ on December 26, 2016, 02:35:34 PM
Then it is a FICO score.
awesome! how do u know when its FAKO?
Logged

Offline JTZ

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Apr 2016
  • Posts: 2103
  • Total likes: 231
  • DansDeals.com Hat Tips 1
    • View Profile
Re: credit score
« Reply #3308 on: December 26, 2016, 03:03:23 PM »
Doesn't say FICO
Logged
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline noturbizniss

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2012
  • Posts: 7137
  • Total likes: 143
  • DansDeals.com Hat Tips 4
  • Gender: Male
    • View Profile
  • Location: North Jersey
Re: credit score
« Reply #3309 on: December 26, 2016, 09:02:16 PM »
Quote from: foseph on December 26, 2016, 02:27:09 PM
at the  top, under "Rewards & Offers" at the top, there's a link for "Your FICO Score"
Which site are you referring to?
 Is that the below?


Quote from: foseph on December 26, 2016, 01:03:43 PM
they all write FICO on the site, but many arent actually real FICO scores

Logged
READ THE DARN WIKI!!!!

Chuck Norris...
...can still do FT method
...READS THE WIKI!!!

Offline ben89

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Jul 2015
  • Posts: 2858
  • Total likes: 199
  • DansDeals.com Hat Tips 142
    • View Profile
Re: credit score
« Reply #3310 on: December 26, 2016, 11:11:28 PM »
Is lowering credit limit on a card bad for your credit score?
Logged

Offline mmgfarb

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2015
  • Posts: 8430
  • Total likes: 1142
  • DansDeals.com Hat Tips 4
    • View Profile
Re: credit score
« Reply #3311 on: December 26, 2016, 11:16:21 PM »
Quote from: ben89 on December 26, 2016, 11:11:28 PM
Is lowering credit limit on a card bad for your credit score?
If you're total available CL goes down, it will hurt your score.
Logged
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline ben89

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Jul 2015
  • Posts: 2858
  • Total likes: 199
  • DansDeals.com Hat Tips 142
    • View Profile
Re: credit score
« Reply #3312 on: December 26, 2016, 11:23:21 PM »
Quote from: mmgfarb on December 26, 2016, 11:16:21 PM
If you're total available CL goes down, it will hurt your score.
what do you mean?
Logged

Offline JACKBLUE

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Jan 2014
  • Posts: 2431
  • Total likes: 411
  • DansDeals.com Hat Tips 4
    • View Profile
  • Location: USA
Re: credit score
« Reply #3313 on: December 26, 2016, 11:24:46 PM »
Quote from: ben89 on December 26, 2016, 11:23:21 PM
what do you mean?
in other words yes
Logged

Offline mmgfarb

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2015
  • Posts: 8430
  • Total likes: 1142
  • DansDeals.com Hat Tips 4
    • View Profile
Re: credit score
« Reply #3314 on: December 26, 2016, 11:25:25 PM »
Quote from: ben89 on December 26, 2016, 11:23:21 PM
what do you mean?
If all the credit available to you across all you're cards on your CR goes down, it hurts your score. The ratio between available credit and how much you're using is 30% of your score.
Logged
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline noturbizniss

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2012
  • Posts: 7137
  • Total likes: 143
  • DansDeals.com Hat Tips 4
  • Gender: Male
    • View Profile
  • Location: North Jersey
Re: credit score
« Reply #3315 on: December 27, 2016, 06:27:30 AM »
If you shift credit it won't hurt unless you shift to a business card that doesn't report.
Logged
READ THE DARN WIKI!!!!

Chuck Norris...
...can still do FT method
...READS THE WIKI!!!

Offline JTZ

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Apr 2016
  • Posts: 2103
  • Total likes: 231
  • DansDeals.com Hat Tips 1
    • View Profile
Re: credit score
« Reply #3316 on: December 27, 2016, 07:12:17 AM »
All this about available credit and your score is dependent on your own credit file. I can close cards with 100k of available credit and it wouldn't effect my score. Your goal should be to get to the point were you don't have to play all these different games.
Logged
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline since1492

  • Dansdeals Gold Elite
  • ***
  • Join Date: Nov 2016
  • Posts: 169
  • Total likes: 3
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Location: ירושלים
Re: credit score
« Reply #3317 on: December 27, 2016, 08:23:40 AM »
is this a good score?
 ???
Logged
the masmid atzum
מאז

Offline David Smith

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Jun 2015
  • Posts: 8136
  • Total likes: 212
  • DansDeals.com Hat Tips 13
    • View Profile
Re: credit score
« Reply #3318 on: December 27, 2016, 08:40:24 AM »
Quote from: since1492 on December 27, 2016, 08:23:40 AM
is this a good score?
 ???
Who's that from?
Logged
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

Offline since1492

  • Dansdeals Gold Elite
  • ***
  • Join Date: Nov 2016
  • Posts: 169
  • Total likes: 3
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Location: ירושלים
Re: credit score
« Reply #3319 on: December 27, 2016, 08:47:13 AM »
Quote from: David Smith on December 27, 2016, 08:40:24 AM
Who's that from?
capital one (it is not my score)
Logged
the masmid atzum
מאז
Pages: 1 ... 160 161 162 163 164 165 [166] 167 168 169 170 171 172 ... 226   Go Up
« previous next »