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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 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 ExGingi on March 04, 2019, 09:04:57 PM »

Author Topic: credit score  (Read 364763 times)

Online CountValentine

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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.
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline Ekay

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Re: credit score
« Reply #4276 on: November 03, 2019, 02:23:08 PM »
Score dropped 100 points due to  late payment to BOFA CC. Itís killing my business.It was my first time. Whatís my options to get his removed?

Offline Shlomo1

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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

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Re: credit score
« Reply #4278 on: December 22, 2019, 03:23:01 PM »
Score dropped 100 points due to  late payment to BOFA CC. Itís killing my business.It was my first time. Whatís my options to get his removed?
wait 7 years

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Re: credit score
« Reply #4279 on: December 22, 2019, 04:46:08 PM »
Score dropped 100 points due to  late payment to BOFA CC. Itís killing my business.It was my first time. Whatís my options to get his removed?
Goodwill letter.
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

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Re: credit score
« Reply #4280 on: December 22, 2019, 04:59:56 PM »
does the 35% of utilization factor count per account or overall credit line? or maybe By bank?

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Re: credit score
« Reply #4281 on: December 22, 2019, 05:05:48 PM »
Utilization is looked at per account and overall. There is no set %.
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline tzifanya54

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Re: credit score
« Reply #4282 on: December 23, 2019, 07:45:30 AM »
How long after an incident can a bank report?
My specific situation: I had a $2 charge on a Barclays business card. Payment was due 10/28 statement closed 10/08. I was receiving paper statements. I got nothing in the mail until
A few days ago. On about 12/19 I got the statement, which I paid immediately. Basically I would be considered 30 days late on 12/08. Called them several times and spoke to supervisors that insisted since itís business card nothing was/will be reported. So far nothing on my reports, at what point can I be sure that it wonít show up there?

Offline Pad18

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Re: credit score
« Reply #4283 on: December 23, 2019, 09:21:55 AM »
How long after an incident can a bank report?
My specific situation: I had a $2 charge on a Barclays business card. Payment was due 10/28 statement closed 10/08. I was receiving paper statements. I got nothing in the mail until
A few days ago. On about 12/19 I got the statement, which I paid immediately. Basically I would be considered 30 days late on 12/08. Called them several times and spoke to supervisors that insisted since itís business card nothing was/will be reported. So far nothing on my reports, at what point can I be sure that it wonít show up there?

They are correct, Business card are not reported.
And usually for a balance like that, even in the 30days period some bank will not report anything even on a private card. But don't count on that. But already happened to me.

Offline tzifanya54

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Re: credit score
« Reply #4284 on: December 23, 2019, 09:46:14 PM »
They are correct, Business card are not reported.
And usually for a balance like that, even in the 30days period some bank will not report anything even on a private card. But don't count on that. But already happened to me.
Itís not so simple. If one defaults on a business card loan, it will ultimately be reported to personal CB. Barclays is a stickler for the little things.

Offline BP16

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Re: credit score
« Reply #4285 on: December 25, 2019, 12:48:17 PM »
Itís not so simple. If one defaults on a business card loan, it will ultimately be reported to personal CB. Barclays is a stickler for the little things.
some times could even take 60-90 days on business cards to be reported, if by next month its not on report then I would say you should be safe.

Offline Shlomo1

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Re: credit score
« Reply #4286 on: January 20, 2020, 10:42:37 AM »
If one is opening CC for the first time, should he do 3 simultaneously from different windows so that it's only considered one hard Credit Pull?

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Re: credit score
« Reply #4287 on: January 20, 2020, 11:09:57 AM »
If one is opening CC for the first time, should he do 3 simultaneously from different windows so that it's only considered one hard Credit Pull?
If you're opening a cc for the 1st time, chances are you won't get approved for 3 cards. Were you an additional user to a/o in the past?

Offline as2

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Re: credit score
« Reply #4288 on: January 20, 2020, 11:16:46 AM »
If one is opening CC for the first time, should he do 3 simultaneously from different windows so that it's only considered one hard Credit Pull?
If the pulls are not from the same bank, and possible even if they are, they still may not merge.
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Re: credit score
« Reply #4289 on: January 20, 2020, 11:20:00 AM »
If the pulls are not from the same bank, and possible even if they are, they still may not merge.
If you're opening a cc for the 1st time, chances are you won't get approved for 3 cards. Were you an additional user to a/o in the past?

Yes. Was a AU on Amex. And if it was all from same bank, say Chase, does that make things better?