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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 471967 times)

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

Offline Luvisrael

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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.

Offline ltttc

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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

Offline Luvisrael

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Re: credit score
« Reply #4305 on: February 08, 2020, 07:11:27 PM »
Late lease payments have definitely do affect your credit score
up to 30 days late no. After that they report to credit bereus

Offline abed

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Re: credit score
« Reply #4306 on: March 04, 2020, 06:45:03 PM »
Hi could use some advice here, my first card I opened up(oldest credit line) was a capital one semi secured card(If put down 50$ they give me 200$ credit line, I put 500 so they gave me 650) this was around a year and half ago and since then I opened a freedom unlimited card around 6 months ago. I wanna move on from my capital one card but I wanna keep the credit line, I've heard upgrading the card keeps the credit line but there still gonna be a hard pull(3 of them Bec its capital one) is it worth upgrading to something like the venture one and will it keep my credit line?

Offline Pad18

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Re: credit score
« Reply #4307 on: March 06, 2020, 05:36:21 PM »
Hi could use some advice here, my first card I opened up(oldest credit line) was a capital one semi secured card(If put down 50$ they give me 200$ credit line, I put 500 so they gave me 650) this was around a year and half ago and since then I opened a freedom unlimited card around 6 months ago. I wanna move on from my capital one card but I wanna keep the credit line, I've heard upgrading the card keeps the credit line but there still gonna be a hard pull(3 of them Bec its capital one) is it worth upgrading to something like the venture one and will it keep my credit line?

650 credit line it's not much. I will not be afraid to "lose" this line, as with another not secure card if you're approved you will get at least 1000 if not higher.

the big trick for a beginner is IMHO to focus on the line utilization. (always use less than 10-15% of your credit line, and then after a few months it should get/ask for a higher line.)

Offline US

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Re: credit score
« Reply #4308 on: March 09, 2020, 12:00:17 PM »
Hi could use some advice here, my first card I opened up(oldest credit line) was a capital one semi secured card(If put down 50$ they give me 200$ credit line, I put 500 so they gave me 650) this was around a year and half ago and since then I opened a freedom unlimited card around 6 months ago. I wanna move on from my capital one card but I wanna keep the credit line, I've heard upgrading the card keeps the credit line but there still gonna be a hard pull(3 of them Bec its capital one) is it worth upgrading to something like the venture one and will it keep my credit line?
I donít think you can upgrade Capital One secure card to any other card. Only option to close it.

Offline zale

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Re: credit score
« Reply #4309 on: March 25, 2020, 10:59:03 PM »
This has never happened to me before, but I missed a payment on a Citi card by 30 days. It was a small payment that did not show up in my Mint app which I use to track all my credit cards.

What is the best way to deal with this to get it removed from my report?

Offline Mordyk

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Re: credit score
« Reply #4310 on: April 14, 2020, 01:21:07 AM »
Amex shut me down and now my credit report shows closed by creditor.  Any way to remove this?
#TYH

Offline Mordyk

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Re: credit score
« Reply #4311 on: April 14, 2020, 05:04:11 PM »
Amex shut me down and now my credit report shows closed by creditor.  Any way to remove this?
Bump.  Its quite urgent because its affecting loan application
#TYH

Offline zalmy123

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Re: credit score
« Reply #4312 on: April 22, 2020, 09:27:05 PM »
I'm looking on my credit report from Transunion from AnnualCreditReport.com and the ratings are mostly current but there are a few months that are not reported or unknown. Should I call the lender to fix?

Thanks friends!

Offline CountValentine

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Re: credit score
« Reply #4313 on: April 23, 2020, 07:52:37 AM »
Lenders are not required to report.
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline zalmy123

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Re: credit score
« Reply #4314 on: April 23, 2020, 09:31:40 AM »
Ok. I was asking because Dan wrote in a post
"If you see an account thatís not marked current, be sure to call the lender to ask them to fix it."

Offline yudawils

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Re: credit score
« Reply #4315 on: April 23, 2020, 03:14:16 PM »
Hi I'm new to deans deals
And to debt management
The last ten years been paying 20+ % on ccs
Now probably have like 60k in debt
I have bad credit 590
And I need 0 apr and high limits
I have a good business
Any ideas

Offline yudawils

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Re: credit score
« Reply #4316 on: April 23, 2020, 05:05:17 PM »
i owe like 25k to a hospital and they sent  $491 to collections, is there any explanation?
i would pay it but im scared that they only did that so i pay it and then they will send more.

Offline CountValentine

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Re: credit score
« Reply #4317 on: April 23, 2020, 05:14:43 PM »
Ok. I was asking because Dan wrote in a post
"If you see an account thatís not marked current, be sure to call the lender to ask them to fix it."
You have a link?
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline CountValentine

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Re: credit score
« Reply #4318 on: April 23, 2020, 05:16:07 PM »
i owe like 25k to a hospital and they sent  $491 to collections, is there any explanation?
i would pay it but im scared that they only did that so i pay it and then they will send more.
Your best bet is to ask at creditboards.com as they are the go to forum for that type of stuff.
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline miles lover

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Re: credit score
« Reply #4319 on: April 23, 2020, 11:23:51 PM »
I got a 30 day late payment report on my credit report. I got the bank to take it off.  (I had car lease on auto pay and when I extended the lease, autopay wasnít activated properly ) How long should it take for the credit bureaus to take it off ?