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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 578711 times)

Offline JTZ

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Re: credit score
« Reply #3440 on: January 17, 2017, 12:17:16 AM »
The blanket statement wasn't wrong, for the reason I just stated.

Definitionally, a person with $0 balances on all CCs has no utilization. This isn't hard.
Give it break and stop looking so foolish. Read more and post less and you will learn something about how this works. Your the same guy that wants to spread out his inquires.
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline JTZ

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Re: credit score
« Reply #3441 on: January 17, 2017, 12:18:14 AM »
If you want to continue the conversation about your definitionally incorrect blanket statements,  this should be moved to your JS Ban Poll thread.
He does this all the time. The whole world is wrong and he is right.  :)
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline Yammer

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Re: credit score
« Reply #3442 on: January 17, 2017, 02:14:25 AM »
Everyone following the last few days understands.

Let's move on.

Offline shulem92

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Re: credit score
« Reply #3443 on: January 18, 2017, 08:39:07 PM »
How long does it take for the credit bureau's to figure out that my wife legally changed her last name now?

Offline jsk173

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Re: credit score
« Reply #3444 on: January 19, 2017, 12:48:10 AM »
When she submits her new info. or a creditor updates her file.

Offline benjie1305

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Re: credit score
« Reply #3445 on: January 19, 2017, 01:57:24 PM »
Side question:

Anyone familiar with Elan Financial Services?

Applied for Fidelity CC and they are seemingly processed through Elan. No instant decision, No pull of any sort as of the last hour and supposedly can only check on the status on Tuesday the earliest. This is a very weird experience. Anyone that can chime in?
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Offline JTZ

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Re: credit score
« Reply #3446 on: January 19, 2017, 03:18:39 PM »
Side question:

Anyone familiar with Elan Financial Services?

Applied for Fidelity CC and they are seemingly processed through Elan. No instant decision, No pull of any sort as of the last hour and supposedly can only check on the status on Tuesday the earliest. This is a very weird experience. Anyone that can chime in?
Paging PillanSmye!
"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 #3447 on: January 19, 2017, 08:55:57 PM »
Side question:

Anyone familiar with Elan Financial Services?

Applied for Fidelity CC and they are seemingly processed through Elan. No instant decision

Elan is a card servicing division of US Bancorp.   They run the products for a multitude of credit unions and smaller banks.  And the Fidelity 2% card.

Elan: 800-364-9648

Offline benjie1305

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Re: credit score
« Reply #3448 on: January 19, 2017, 08:56:39 PM »
Elan is a card servicing division of US Bancorp.   They run the products for a multitude of credit unions and smaller banks.  And the Fidelity 2% card.

Elan: 800-364-9648

Called that number to get status and they don't have anything in the system with my SSN. Very strange.
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Offline pixi

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Re: credit score
« Reply #3449 on: January 23, 2017, 11:54:04 AM »
If I close a amex card 2-5 days after applying for it will it still show up on m report ?
money doesn't talk......      it SCREAMS !

Offline shulem92

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Re: credit score
« Reply #3450 on: January 23, 2017, 11:55:56 AM »
If I close a amex card 2-5 days after applying for it will it still show up on m report ?
If you got approved, yes

Offline NYHeel

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Re: credit score
« Reply #3451 on: January 23, 2017, 11:57:28 AM »
So my wife's Experian FICO credit score on Amex just went to 850. And it says it's out of 850. Is that even possible? Well I guess it is but it sounds insane to me. I mean my score is usually between 815-835 and my wife's is usually in that range too but 850 out of 850 seems crazy. Did they change the high end range recently without changing the explanation on the website? 

Offline noturbizniss

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Re: credit score
« Reply #3452 on: January 23, 2017, 12:25:36 PM »
So my wife's Experian FICO credit score on Amex just went to 850. And it says it's out of 850. Is that even possible? Well I guess it is but it sounds insane to me. I mean my score is usually between 815-835 and my wife's is usually in that range too but 850 out of 850 seems crazy. Did they change the high end range recently without changing the explanation on the website?
your not the first one to have that happen to.
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Offline NYHeel

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Re: credit score
« Reply #3453 on: January 23, 2017, 05:07:54 PM »
your not the first one to have that happen to.
Yeah, I figured. I'm not saying look at me (actually my wife), I'm awesome. It's just somewhat odd, especially since she has 2 hard inquiries in the beginning of January. I guess inquiries really don't do very much to your credit score.

Offline noturbizniss

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Re: credit score
« Reply #3454 on: January 23, 2017, 05:11:06 PM »
Yeah, I figured. I'm not saying look at me (actually my wife), I'm awesome. It's just somewhat odd, especially since she has 2 hard inquiries in the beginning of January. I guess inquiries really don't do very much to your credit score.
JTZ and pillandsmye and Mendelssohn have been saying that since forever.
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Offline jsk173

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Re: credit score
« Reply #3455 on: January 24, 2017, 12:25:30 AM »
JTZ and pillandsmye and Mendelssohn have been saying that since forever.

Inquiries don't have a big impact on people with long, thick credit profiles. They can have a huge impact on short, thin profiles.

Offline JTZ

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Re: credit score
« Reply #3456 on: January 24, 2017, 12:59:26 AM »
Inquiries don't have a big impact on people with long, thick credit profiles. They can have a huge impact on short, thin profiles.
Going to hate myself for asking this. Please explain huge?
"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 #3457 on: January 24, 2017, 06:56:11 AM »
Going to hate myself for asking this. Please explain huge?

You are a glutton for punishment.  Especially since you know his answer will be bogus.

Offline JTZ

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Re: credit score
« Reply #3458 on: January 24, 2017, 07:14:13 AM »
You are a glutton for punishment.  Especially since you know his answer will be bogus.
Give him a chance.  :)
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline NYHeel

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Re: credit score
« Reply #3459 on: January 24, 2017, 11:09:17 AM »
My wife's credit history on her report is only about 16 or so years. Not that long. And inquiries did nothing to her score. As in her score is perfect so it didn't reduce it even 1 point.

Now inquiries can be an issue if you're applying for a mortgage or other larger credit type purchase. They won't impact your score but they're on your report. The bank may want to know why you're applying for all these credit cards and it could make them nervous that you've applied for credit so frequently.