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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 373296 times)

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?