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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 »

Author Topic: credit score  (Read 576442 times)

Offline JACKBLUE

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Re: credit score
« Reply #3360 on: December 29, 2016, 03:22:23 PM »
Look at the bright side. In five years you will 20 aged accounts.
i guess! :)

Offline JTZ

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Re: credit score
« Reply #3361 on: December 29, 2016, 03:29:47 PM »
Which would be great if it wasn't rumored that closed accounts are likely to be weighed less, and maybe not at all, in an upcoming revision by FICO.
Always plan B.  :)
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline PillanSmye

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Re: credit score
« Reply #3362 on: December 29, 2016, 04:53:33 PM »
Which would be great if it wasn't rumored that closed accounts are likely to be weighed less, and maybe not at all, in an upcoming revision by FICO.
We'll see if anyone uses the new FICO versions...

Offline jsk173

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Re: credit score
« Reply #3363 on: December 29, 2016, 04:58:22 PM »
I'm sure at least some banks will. One of the main points behind FICO revisions is to keep up with the various forms of gaming FICO scores.

For example, it never made any sense that being an AU should help one's FICO score, and a whole cottage industry resulted therefrom. Likewise, the fact someone paid a closed CC account on time 9 years ago doesn't tell banks much of anything about a person's current finances and/or habits.

Offline JTZ

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Re: credit score
« Reply #3364 on: December 29, 2016, 05:42:11 PM »
For example, it never made any sense that being an AU should help one's FICO score, and a whole cottage industry resulted therefrom.
For husband and wife it sure does.
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline noturbizniss

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Re: credit score
« Reply #3365 on: December 29, 2016, 05:51:38 PM »
For husband and wife it sure does.
What about husband and husband! Or wife and wife! I'm offended by your insensitivity!
READ THE DARN WIKI!!!!

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Offline jsk173

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Re: credit score
« Reply #3366 on: December 29, 2016, 07:14:38 PM »
For husband and wife it sure does.

Not really. An AU has no liability whatsoever for the debt, and can have the account deleted at will.

A FICO score is supposed to show a specific person's creditworthiness, not provide insight into how someone's marriage might be functioning.

Offline Hamavin

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Re: credit score
« Reply #3367 on: December 29, 2016, 09:25:02 PM »
Anyone have any good reccomendations for a biz that does credit repair?

Offline mochjas

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Re: credit score
« Reply #3368 on: December 29, 2016, 10:18:34 PM »
Anyone have any good reccomendations for a biz that does credit repair?
there is a company called Angels of Debt in NY I never used them but I know someone who works there and she is reliable

Offline PillanSmye

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Re: credit score
« Reply #3369 on: December 30, 2016, 01:36:48 AM »
Not really. An AU has no liability whatsoever for the debt, and can have the account deleted at will.

A FICO score is supposed to show a specific person's creditworthiness, not provide insight into how someone's marriage might be functioning.

I bet they are working on marriage predictors.  I bet 25% of the people I hear with bad credit involves a divorce.  LOL


Offline JTZ

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Re: credit score
« Reply #3370 on: December 30, 2016, 01:40:42 AM »
Not really. An AU has no liability whatsoever for the debt, and can have the account deleted at will.

A FICO score is supposed to show a specific person's creditworthiness, not provide insight into how someone's marriage might be functioning.
It can be an AU or a joint account the result is the same. If the bills are paid you can't separate who is paying the bills. They both get credit. Now as you have said this is used to play games with by adding AU's out of the blue.
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline jsk173

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Re: credit score
« Reply #3371 on: December 30, 2016, 04:36:15 AM »
Right, they don't know who's actually paying the bills, but they know who's legally responsible for them. It makes no sense to credit an AU for good history when the AU can have the account deleted if things head south.

Offline myi

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Re: credit score
« Reply #3372 on: December 30, 2016, 05:19:40 AM »
Free credit report is per calendar year or 1 year from when you request a copy of your score? Any specific one which is the most accurate or all the same?
Don't try to be someone else , be who you are because everyone else is taken.

Offline JTZ

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Re: credit score
« Reply #3373 on: December 30, 2016, 08:08:27 AM »
Every 12 months. You should get all three to make sure they are all correct.
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline Hamavin

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Re: credit score
« Reply #3374 on: December 30, 2016, 09:47:24 AM »
Basically have a friend that defaulted on 14k on amex in 07 and when they reapplied for amex this year for the the first time since the got approved for platinum card. A few weeks later they tried for biz plat but turned down cuz of 14k default. At this point they will only take off 10% if want to settle. How should they proceed?

Offline ExGingi

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Re: credit score
« Reply #3375 on: December 30, 2016, 11:59:21 AM »
Basically have a friend that defaulted on 14k on amex in 07 and when they reapplied for amex this year for the the first time since the got approved for platinum card. A few weeks later they tried for biz plat but turned down cuz of 14k default. At this point they will only take off 10% if want to settle. How should they proceed?
Amex is one of the hardest to settle with. I don't recall ever seeing a 10% settlement with them. OTOH, if this is NY and he paid nothing since 07, it's past the statute, so I guess they figure 10% is better than nothing. The question is what will paying the 10% do for him? What does it give him?
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Offline mmgfarb

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Re: credit score
« Reply #3376 on: December 30, 2016, 12:30:33 PM »
Amex is one of the hardest to settle with. I don't recall ever seeing a 10% settlement with them. OTOH, if this is NY and he paid nothing since 07, it's past the statute, so I guess they figure 10% is better than nothing. The question is what will paying the 10% do for him? What does it give him?
I think he meant that they'll only take off 10% not that he had to pay 10%.
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Offline ExGingi

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Re: credit score
« Reply #3377 on: December 30, 2016, 12:42:48 PM »
I think he meant that they'll only take off 10% not that he had to pay 10%.
Nah, that's to greedy even for Amex. And if indeed that is the case, what benefit is there to that? (other than MAYBE Amex willing to open additional accounts). If it's past the statute, they have no legal way to pursue it, unless you pay even 1 cent, which resets the statute. Make sure no settlement is done without a legal agreement first.
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Offline mmgfarb

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Re: credit score
« Reply #3378 on: December 30, 2016, 12:44:34 PM »
Nah, that's to greedy even for Amex. And if indeed that is the case, what benefit is there to that? (other than MAYBE Amex willing to open additional accounts). If it's past the statute, they have no legal way to pursue it, unless you pay even 1 cent, which resets the statute. Make sure no settlement is done without a legal agreement first.
That'd just what it sounded like from what he said. I agree with though, being able to get amex cards isn't worth $13k, $1400 would be worth it though.
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Offline shulem92

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Re: credit score
« Reply #3379 on: January 08, 2017, 07:35:40 PM »
Can I add an address to my credit report? Or only an FI can?