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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 401795 times)

Offline as2

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Re: credit score
« Reply #4290 on: January 20, 2020, 11:48:07 AM »
Yes. Was a AU on Amex. And if it was all from same bank, say Chase, does that make things better?
Wouldn't risk that with chase now, but technically, multiple pulls should merge as long as they are all biz, or all personal. There are exceptions, but that's the general rule.
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Offline CountValentine

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Re: credit score
« Reply #4291 on: January 20, 2020, 01:31:14 PM »
All that matters is the way they are coded. Last year Chase changed there coding. This is for a business card:
JPMCB CARD SERVICES
PO BOX 15077
WILMINGTON, DE
19850
Anyone have the coding for a personal card?
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Offline US

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credit score
« Reply #4292 on: January 20, 2020, 02:47:50 PM »
Anyone have the coding for a personal card?
On my Equifax report shows up as
JPMCB - CARD SERVICES
301 N WALNUT ST, FLOOR 09
WILMINGTON, DE 19801-3935

Checked CK by TU shows up
JPMCB CARD SERVICES
PO BOX 15369
WILMINGTON, DE 19850 USA
« Last Edit: January 20, 2020, 03:04:19 PM by US »

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Re: credit score
« Reply #4295 on: January 23, 2020, 10:50:13 PM »
Yes. Was a AU on Amex. And if it was all from same bank, say Chase, does that make things better?

I wouldn't push it with my first card take it slowly.. one at a time.

Offline da95

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Re: credit score
« Reply #4296 on: February 05, 2020, 10:59:18 PM »
need help asap
just messed up and forgot to pay car lease which was due jan 2 and was able to be paid up till Feb 2nd- so im 3 days over the deadline and now it lowered my credit from 800 to 710!!!!
this is my first late payment.
my father in law is also on the lease.
and im between contract of buying house and settling rate (so that means that whatever rate i get i MUST pay)

i tried calling nissan to let this one go but they said they dont do this anymore and what i need to do is contact directly any of the 3 credit agencies and ask them to file report. then they send it to nissan and theyll decide based on excuse, amount and time if to waive it off or not
but i dont have time to risk bc of the rate

please any advice how to get rid of it asap and get my credit back up?

Offline Moshe26

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Re: credit score
« Reply #4297 on: February 06, 2020, 11:18:55 AM »
posting for a friend

Hi all, need help asap
i just messed up and forgot to pay car lease which was due on jan 2 and was able to be paid up till Feb 2nd- however i only realized on feb 5th and paid it on that day
- 3 days late over the 30 day grace period and now it lowered my credit from 800 to 710!!!!
this is my first late payment.
my father in law is also on the lease.
and im between contract of buying house and settling rate (so that means that whatever rate i get i MUST pay)

i tried calling nissan to let this one go but they said they dont do this anymore and what i need to do is contact directly any of the 3 credit agencies and ask them to file report. then they send it to nissan and theyll decide based on excuse, amount and time if to waive it off or not
but i dont have time to risk bc of the rate

please any advice how to get rid of it asap and get my credit back up?

Offline ltttc

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Re: credit score
« Reply #4298 on: February 06, 2020, 04:37:36 PM »
posting for a friend

Hi all, need help asap
i just messed up and forgot to pay car lease which was due on jan 2 and was able to be paid up till Feb 2nd- however i only realized on feb 5th and paid it on that day
- 3 days late over the 30 day grace period and now it lowered my credit from 800 to 710!!!!
this is my first late payment.
my father in law is also on the lease.
and im between contract of buying house and settling rate (so that means that whatever rate i get i MUST pay)

i tried calling nissan to let this one go but they said they dont do this anymore and what i need to do is contact directly any of the 3 credit agencies and ask them to file report. then they send it to nissan and theyll decide based on excuse, amount and time if to waive it off or not
but i dont have time to risk bc of the rate

please any advice how to get rid of it asap and get my credit back up?
Ouch! Good Luck!

Offline CountValentine

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Re: credit score
« Reply #4299 on: February 06, 2020, 04:42:05 PM »
please any advice how to get rid of it asap and get my credit back up?
Try posting your question at creditboards.com
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline Shlomo1

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Re: credit score
« Reply #4300 on: February 07, 2020, 11:07:03 AM »
need help asap
just messed up and forgot to pay car lease which was due jan 2 and was able to be paid up till Feb 2nd- so im 3 days over the deadline and now it lowered my credit from 800 to 710!!!!
this is my first late payment.
my father in law is also on the lease.
and im between contract of buying house and settling rate (so that means that whatever rate i get i MUST pay)

i tried calling nissan to let this one go but they said they dont do this anymore and what i need to do is contact directly any of the 3 credit agencies and ask them to file report. then they send it to nissan and theyll decide based on excuse, amount and time if to waive it off or not
but i dont have time to risk bc of the rate

please any advice how to get rid of it asap and get my credit back up?

I just had similar situation with my old Nissan Altima that I extended the lease and Autopay didn't continue. I realized it was listed on my Credit Report as "Potentially Negative". I've heard some say Late Lease Payments shouldnt affect your score but not sure. Anyways, I disputed it recently with Experian and they came back saying that the Lender said It is in fact a late payment (which obv I knew) and they can't remove it. :(

Offline Moshe26

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Re: credit score
« Reply #4301 on: February 07, 2020, 12:05:09 PM »
Ouch! Good Luck!
yea terrible timing.
Try posting your question at creditboards.com
i will tell him. thanks!
I just had similar situation with my old Nissan Altima that I extended the lease and Autopay didn't continue. I realized it was listed on my Credit Report as "Potentially Negative". I've heard some say Late Lease Payments shouldnt affect your score but not sure. Anyways, I disputed it recently with Experian and they came back saying that the Lender said It is in fact a late payment (which obv I knew) and they can't remove it. :(
did you try pleading with them and telling them it was a mistake and it was taken care of?

Offline CountValentine

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Re: credit score
« Reply #4302 on: February 07, 2020, 12:15:16 PM »
did you try pleading with them and telling them it was a mistake and it was taken care of?
The CRA does not care. If the company says it is valid that is all they go by.
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

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Re: credit score
« Reply #4303 on: February 07, 2020, 12:56:01 PM »
yea terrible timing.i will tell him. thanks!did you try pleading with them and telling them it was a mistake and it was taken care of?
i had this. The problem is, once u paid , u lost your leverage.

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Re: credit score
« Reply #4304 on: February 07, 2020, 02:44:16 PM »
I've heard some say Late Lease Payments shouldnt affect your score but not sure.
Late lease payments have definitely do affect your credit score