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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 579496 times)

Offline PillanSmye

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Re: credit score
« Reply #3380 on: January 08, 2017, 08:00:59 PM »
Can I add an address to my credit report? Or only an FI can?

If it's on  your DL you could "probably"  have it added mailing in a copy.  Same goes with a utility bill.   Neither are guaranteed.

Offline shulem92

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Re: credit score
« Reply #3381 on: January 08, 2017, 08:06:37 PM »
If it's on  your DL you could "probably"  have it added mailing in a copy.  Same goes with a utility bill.   Neither are guaranteed.
Thanx. Do u know where to send it in to for experian. They're the most important one right now

Offline PillanSmye

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Re: credit score
« Reply #3382 on: January 08, 2017, 09:29:18 PM »
Thanx. Do u know where to send it in to for experian. They're the most important one right now

I'd snail mail into whatever their dispute address is.

Offline shulem92

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Re: credit score
« Reply #3383 on: January 08, 2017, 09:31:54 PM »
I'd snail mail into whatever their dispute address is.
Is there any way to reference who we are discussing? Because I want to do this for my wife, and she just changed her name

Offline akivak

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Re: credit score
« Reply #3384 on: January 11, 2017, 07:05:50 PM »
If I add a friend with terrible credit score as an authorized user on my amex spg card will affect my credit score

Offline JACKBLUE

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Re: credit score
« Reply #3385 on: January 11, 2017, 07:09:42 PM »
If I add a friend with terrible credit score as an authorized user on my amex spg card will affect my credit score
no

Offline ben89

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Re: credit score
« Reply #3386 on: January 12, 2017, 07:18:06 PM »
Is lowering your credit limit bad for your score? How bad? Is bad like closing your card?

Offline mochjas

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Re: credit score
« Reply #3387 on: January 12, 2017, 07:27:53 PM »
Is lowering your credit limit bad for your score? How bad? Is bad like closing your card?
you always want to keep your debt to credit ratio as low as possible (but higher than 0) so lowering your limit hurts that if you don't lower the debt too.

Also closing cards doesn't hurt your score at all.

Offline coralsnake

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Re: credit score
« Reply #3388 on: January 12, 2017, 07:50:53 PM »
you always want to keep your debt to credit ratio as low as possible (but higher than 0) so lowering your limit hurts that if you don't lower the debt too.

Also closing cards doesn't hurt your score at all.
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Offline mochjas

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Re: credit score
« Reply #3389 on: January 12, 2017, 08:00:48 PM »
Stira
how is that a stira the ratio goes per card not per total credit so if you close a card with zero balance it does not make your ratio higher.

Offline PillanSmye

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Re: credit score
« Reply #3390 on: January 12, 2017, 08:18:54 PM »
how is that a stira the ratio goes per card not per total credit so if you close a card with zero balance it does not make your ratio higher.

There are 3 ratios.

Utilization on the individual card
Overall utilization
Percentage of accounts with balances

Offline jsk173

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Re: credit score
« Reply #3391 on: January 12, 2017, 08:22:39 PM »
how is that a stira the ratio goes per card not per total credit so if you close a card with zero balance it does not make your ratio higher.

If you close a card with a $25,000 CL and $0 balance, your overall utilization will increase.

Offline PillanSmye

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Re: credit score
« Reply #3392 on: January 12, 2017, 08:35:35 PM »
If you close a card with a $25,000 CL and $0 balance, your overall utilization will increase.

Assuming other card have balances.  And overall increase in utilization only matters if it causes you to cross specific thresholds.


Offline mochjas

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Re: credit score
« Reply #3393 on: January 12, 2017, 08:36:58 PM »
There are 3 ratios.

Utilization on the individual card
Overall utilization
Percentage of accounts with balances
then I stand corrected. I understood that the ratio goes by card and not overall bec I once had a card with a 1k limit close with an 800 balance and it dropped my score. Y a lot that month even though overall my available credit was about 60k

Offline PillanSmye

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Re: credit score
« Reply #3394 on: January 12, 2017, 08:44:53 PM »
then I stand corrected. I understood that the ratio goes by card and not overall bec I once had a card with a 1k limit close with an 800 balance and it dropped my score. Y a lot that month even though overall my available credit was about 60k

Yep,  80% is almost considered maxed out (I believe FICO algorithms count 90% as maxed.)  1 maxed out card will ding your score to varying degrees depending on your overall profile.

But the total number of cards with balances and overall utilization are all taken into account.   Thats why before the Chase 5/24 rules guys would get Lowes and Walmart cards.  You could get $30K limits with all CLI's being soft pulls and skew your overall utilization heavily.
« Last Edit: January 12, 2017, 08:48:09 PM by PillanSmye »

Offline jsk173

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Re: credit score
« Reply #3395 on: January 12, 2017, 09:19:53 PM »
Assuming other card have balances.  And overall increase in utilization only matters if it causes you to cross specific thresholds.

Right, but not many people make sure that all of their CCs close with a $0 balance on the statement date. It's simply not normal CC behavior.

Offline as2

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Re: credit score
« Reply #3396 on: January 12, 2017, 09:23:18 PM »
Right, but not many people make sure that all of their CCs close with a $0 balance on the statement date. It's simply not normal CC behavior.
True, but it should be.
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Offline PillanSmye

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Re: credit score
« Reply #3397 on: January 12, 2017, 09:24:30 PM »
Right, but not many people make sure that all of their CCs close with a $0 balance on the statement date. It's simply not normal CC behavior.

Not everyone has balances on all of their CC's.  Not everyone has high balances on their CC's.

You keep making blanket statements that just aren't correct.

If closing  a CC doesn't change your utilization to a significantly different bracket,  it will have little or no effect on your score.

I could close a $40K CC today and it wouldn't change my score.

Offline PillanSmye

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Re: credit score
« Reply #3398 on: January 12, 2017, 09:30:44 PM »
Here's a hypothetical situation.

Someone has 200K of credit lines.  10K of balances reporting.  That's 5% utilization.  Close a 40K card and now that person has 6.25% utilization.   That's hardly going to cause a blip in your FICO scores.

Offline jsk173

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Re: credit score
« Reply #3399 on: January 12, 2017, 10:12:17 PM »
Not everyone has balances on all of their CC's.  Not everyone has high balances on their CC's.

You keep making blanket statements that just aren't correct.

Nonsense. "Most people don't obsessively make sure all of their CC statements close with a $0 balance" is a basic fact.

Even people who religiously pay in full every month typically have balances reporting on one or more CCs every month.