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 »

Author Topic: credit score  (Read 810968 times)

Offline davidrotts63

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: May 2017
  • Posts: 7218
  • Total likes: 978
  • DansDeals.com Hat Tips 26
  • Gender: Male
    • View Profile
  • Programs: Hertz Gold, Hyatt Member, BA Blue, Ebay banned, Amazon Prime
Re: credit score
« Reply #4260 on: July 03, 2019, 06:19:40 PM »
Yes they have business scores.
Start a new thread?
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline CountValentine

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Mar 2013
  • Posts: 15792
  • Total likes: 7320
  • DansDeals.com Hat Tips -1
  • Gender: Female
    • View Profile
  • Location: Poland - Exiled
  • Programs: DAOTYA, DDF Level 3, 5K Lounge
Re: credit score
« Reply #4261 on: July 03, 2019, 06:49:34 PM »
Only on DDF does 24/6 mean 24/5/half/half

Offline S209

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Jun 2016
  • Posts: 7469
  • Total likes: 3930
  • DansDeals.com Hat Tips 1
  • Gender: Male
    • View Profile
    • Gowns By Shevy
  • Location: Lakewood
  • Programs: Marriott Gold, Star Alliance Gold, Hyatt Explorist, Hertz PC, National EE, Rock Royalty Wild Card, Wyndham Diamond, MLife Gold, Caesars Diamond, Hilton Diamond, Uber VIP, IHG Platinum Elite, ANA Platinum, DDF Lifetime Prez Platinum Elite, AmEx Platinum
Re: credit score
« Reply #4262 on: July 04, 2019, 01:20:05 AM »
Yes they have business scores.
True.

They don't factor your utilization the same way they do for your personal credit score. Higher than the bare minimum utilization can actually be a positive, as opposed to your personal credit score, where the rule of thumb is that for anything higher than absolutely 0%, the lower the better.
Quote from: YitzyS
Quotes in a signature is annoying, as it comes across as an independent post.

Offline ShimshonK

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Nov 2018
  • Posts: 550
  • Total likes: 148
  • DansDeals.com Hat Tips 3
    • View Profile
Re: credit score
« Reply #4263 on: July 04, 2019, 03:29:05 AM »
True.

They don't factor your utilization the same way they do for your personal credit score. Higher than the bare minimum utilization can actually be a positive, as opposed to your personal credit score, where the rule of thumb is that for anything higher than absolutely 0%, the lower the better.

Interesting, but how about carrying balances? And if the cards are sole proprietorships - it would affect for new sole proprietorship cards? How about if I had an LLC?

Offline meilich

  • Dansdeals Gold Elite
  • ***
  • Join Date: Dec 2014
  • Posts: 101
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: United States
Re: credit score
« Reply #4264 on: July 04, 2019, 02:48:05 PM »
Would applying for a chase buisness card have a negative affect on getting approved for a mortgage 2 months later?

Offline ShimshonK

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Nov 2018
  • Posts: 550
  • Total likes: 148
  • DansDeals.com Hat Tips 3
    • View Profile
Re: credit score
« Reply #4265 on: July 04, 2019, 08:50:32 PM »
Would applying for a chase buisness card have a negative affect on getting approved for a mortgage 2 months later?
I don't know, but it's certainly not worth the risk if you don't know.

Offline SwellCindy

  • Dansdeals Gold Elite
  • ***
  • Join Date: Aug 2017
  • Posts: 145
  • Total likes: 34
  • DansDeals.com Hat Tips 0
    • View Profile
Re: credit score
« Reply #4266 on: August 12, 2019, 02:03:19 AM »
Can't figure this out, trying to access my real Fico score -

Creditwise from Capital One - seems to be the transunion vantage score 3.0 - rates my credit score as xxx, while Citibank says my Fico score is 60 points higher. American Express has a different one as well. Which one would I go by / would be the correct one? 
Any input is appreciated.

Thank you in advance.

Offline Ekay

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Oct 2018
  • Posts: 457
  • Total likes: 8
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: NYC
Re: credit score
« Reply #4267 on: August 12, 2019, 02:15:32 AM »
Had a score of 790  chase closed my cc’s and it dropped to 717. I applied for two new cards and got approved. Once I start using these new cards how soon will my score go back up?

Offline stooges44

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Jan 2017
  • Posts: 6454
  • Total likes: 2751
  • DansDeals.com Hat Tips 269
    • View Profile
Re: credit score
« Reply #4268 on: August 12, 2019, 07:27:47 PM »
Somehow I missed a car payment, other then the late fee, are there any other ramifications?
If it's not free shipping it's not worth it.

Offline as2

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Mar 2013
  • Posts: 5671
  • Total likes: 917
  • DansDeals.com Hat Tips 24
  • Gender: Male
    • View Profile
Re: credit score
« Reply #4269 on: August 12, 2019, 09:24:27 PM »
Somehow I missed a car payment, other then the late fee, are there any other ramifications?
You should be fine.
Memories last forever, make them while you can.

Offline ludmila

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Aug 2012
  • Posts: 5147
  • Total likes: 271
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: IND
  • Programs: Hilton Diamond,Marriott Platinum,SPG Platinum.
Re: credit score
« Reply #4270 on: August 13, 2019, 04:47:23 AM »
Can't figure this out, trying to access my real Fico score -

Creditwise from Capital One - seems to be the transunion vantage score 3.0 - rates my credit score as xxx, while Citibank says my Fico score is 60 points higher. American Express has a different one as well. Which one would I go by / would be the correct one? 
Any input is appreciated.

Thank you in advance.
Those Vantage 3.0 are always showing 60-70 points lower , I subscribe to Experian and it gives me all 3 CB scores, and then if i check chase credit journey, credit karma or others my score is way lower.
I was the Best,still the Best, and will always be the Best.
Pele Good,Maradona Better, George Best.

Offline Shlomo1

  • Dansdeals Gold Elite
  • ***
  • Join Date: Nov 2018
  • Posts: 235
  • Total likes: 32
  • DansDeals.com Hat Tips 2
    • View Profile
Re: credit score
« Reply #4271 on: August 29, 2019, 10:44:58 PM »
Im trying to figure out why my Credit Score is so low. I had a 3 year car lease in my name with a cosigner. And recently, approved for new lease in my name.Also, was Amex AU to an account in good standing for quite a few years. Shouldn't these have helped my score go up?

Offline Zalc

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Nov 2014
  • Posts: 1785
  • Total likes: 157
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: USA
Re: credit score
« Reply #4272 on: October 28, 2019, 03:53:22 PM »
Is there a way to get Barclays to remove a single 30-day late on an otherwise clean account?
The amount was quite small if that makes any difference (Autopay was set to the wrong bank account).

Do they do Goodwill letters?
« Last Edit: October 28, 2019, 03:59:07 PM by Zalc »

Offline chayal101

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Oct 2013
  • Posts: 917
  • Total likes: 137
  • DansDeals.com Hat Tips 2
  • Gender: Female
    • View Profile
Re: credit score
« Reply #4273 on: October 28, 2019, 04:18:24 PM »
Is there a way to get Barclays to remove a single 30-day late on an otherwise clean account?
The amount was quite small if that makes any difference (Autopay was set to the wrong bank account).

Do they do Goodwill letters?
How about just a phone call? If it's just a one-time thing, I'm sure they'll do a courtesy dissmissal, question is if it's showing up on your credit report, get it in writing from Barclay that they are removing the late payment.
Chaya L.

Offline Zalc

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Nov 2014
  • Posts: 1785
  • Total likes: 157
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: USA
Re: credit score
« Reply #4274 on: October 28, 2019, 06:07:47 PM »
How about just a phone call? If it's just a one-time thing, I'm sure they'll do a courtesy dissmissal, question is if it's showing up on your credit report, get it in writing from Barclay that they are removing the late payment.

Upon calling they suggested that I should try to write a goodwill letter to:
Quote
fcra credit bureau disputes
PO box 8803
wilmington delaware 19899

Is there a specific department that can help do this on the phone?

Offline CountValentine

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Mar 2013
  • Posts: 15792
  • Total likes: 7320
  • DansDeals.com Hat Tips -1
  • Gender: Female
    • View Profile
  • Location: Poland - Exiled
  • Programs: DAOTYA, DDF Level 3, 5K Lounge
Re: credit score
« Reply #4275 on: October 28, 2019, 07:13:52 PM »
Upon calling they suggested that I should try to write a goodwill letter to:
Is there a specific department that can help do this on the phone?
Just write the letter. Search Google for the proper way to word it.
Only on DDF does 24/6 mean 24/5/half/half

Offline Ekay

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Oct 2018
  • Posts: 457
  • Total likes: 8
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: NYC
Re: credit score
« Reply #4276 on: November 03, 2019, 02:23:08 PM »
Score dropped 100 points due to  late payment to BOFA CC. It’s killing my business.It was my first time. What’s my options to get his removed?

Offline Shlomo1

  • Dansdeals Gold Elite
  • ***
  • Join Date: Nov 2018
  • Posts: 235
  • Total likes: 32
  • DansDeals.com Hat Tips 2
    • View Profile
Re: credit score
« Reply #4277 on: December 22, 2019, 03:16:54 PM »
You should be fine.

This happened to me too. Apparently it's not fine. Late car payment showed up on my Credit Report as a Negative. Do I try sending them a Good will Letter or try a dispute with all 3 Credit Unions? Has anyone had experience with this

Offline Luvisrael

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Apr 2016
  • Posts: 2872
  • Total likes: 366
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: לבי במזרח
Re: credit score
« Reply #4278 on: December 22, 2019, 03:23:01 PM »
Score dropped 100 points due to  late payment to BOFA CC. It’s killing my business.It was my first time. What’s my options to get his removed?
wait 7 years

Offline CountValentine

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Mar 2013
  • Posts: 15792
  • Total likes: 7320
  • DansDeals.com Hat Tips -1
  • Gender: Female
    • View Profile
  • Location: Poland - Exiled
  • Programs: DAOTYA, DDF Level 3, 5K Lounge
Re: credit score
« Reply #4279 on: December 22, 2019, 04:46:08 PM »
Score dropped 100 points due to  late payment to BOFA CC. It’s killing my business.It was my first time. What’s my options to get his removed?
Goodwill letter.
Only on DDF does 24/6 mean 24/5/half/half