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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 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 809779 times)

Online CountValentine

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Re: credit score
« Reply #4360 on: November 16, 2020, 04:17:41 PM »
AFAR: Haven't missed a payment in 20 plus years. Missed 3 payments while sick with Corona. Is it possible to dispute? Who do I speak to?
Try a good will letter.
Only on DDF does 24/6 mean 24/5/half/half

Offline bhoaem

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Re: credit score
« Reply #4361 on: November 16, 2020, 11:27:03 PM »
Relative missed a payment  on Wells Fargo CC. Statement closed on 10/08  Payment was due on 11/2.
Just pay and move on? Any reason to contact WF? (Fee is only $1)

Also correct me if I'm wrong. Late payment will not be reported if its paid within 30 days of the due date.

Offline Dovdovmoneytree

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Re: credit score
« Reply #4362 on: November 16, 2020, 11:46:38 PM »
Relative missed a payment  on Wells Fargo CC. Statement closed on 10/08  Payment was due on 11/2.
Just pay and move on? Any reason to contact WF? (Fee is only $1)

Also correct me if I'm wrong. Late payment will not be reported if its paid within 30 days of the due date.

Depends if your time is worth $1

Under 30 days late, it does not report at all.

Offline Dave321

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Re: credit score
« Reply #4363 on: December 18, 2020, 10:03:02 AM »
I had a lease with Hyundai and returned it with a balance of 1000. there was an issue with the damage waiver so i had a few months of going back and forth with them till it was straightened out. At that point they put it in serious decline due to outstanding payment. I got a call offering me to pay 850 which i took. then i notice they put potentially negative. I quickly paid up the 150 and now it says Paid, Closed. my score has dropped 100 points.
what can be done?

Offline ExGingi

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Re: credit score
« Reply #4364 on: March 21, 2021, 02:38:54 PM »
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan

Offline Luvisrael

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Re: credit score
« Reply #4365 on: March 21, 2021, 03:23:34 PM »
I had a lease with Hyundai and returned it with a balance of 1000. there was an issue with the damage waiver so i had a few months of going back and forth with them till it was straightened out. At that point they put it in serious decline due to outstanding payment. I got a call offering me to pay 850 which i took. then i notice they put potentially negative. I quickly paid up the 150 and now it says Paid, Closed. my score has dropped 100 points.
what can be done?
wait. It’ll crawl back up with time

Offline chayal101

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Re: credit score
« Reply #4366 on: March 21, 2021, 11:22:59 PM »
I had a lease with Hyundai and returned it with a balance of 1000. there was an issue with the damage waiver so i had a few months of going back and forth with them till it was straightened out. At that point they put it in serious decline due to outstanding payment. I got a call offering me to pay 850 which i took. then i notice they put potentially negative. I quickly paid up the 150 and now it says Paid, Closed. my score has dropped 100 points.
what can be done?
Ask them to remove it from your credit report.
Chaya L.

Offline ExGingi

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Re: credit score
« Reply #4367 on: April 11, 2021, 05:49:37 PM »
One of the accounts on my report has about 42% credit line utilization but is probably the oldest account on my report. I am an AU on the account for which DW is the primary AH.

Would it hurt me more or benefit me more to have DW remove me as AU from this account?
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan

Offline pointer

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Re: credit score
« Reply #4368 on: April 11, 2021, 07:01:53 PM »
One of the accounts on my report has about 42% credit line utilization but is probably the oldest account on my report. I am an AU on the account for which DW is the primary AH.

Would it hurt me more or benefit me more to have DW remove me as AU from this account?
How old is said account?
How old is your 2nd to oldest account?

Offline Sowhat

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Re: credit score
« Reply #4369 on: May 03, 2021, 10:44:20 AM »
I have a lease with a local credit union.  Awful service.  They only allow payment by check and even after auto pay, my payments always manage to be a few days later.   Around April 2021, Chase tells me that the credit union filed a delinquent entry with Experian that I have a past-due balance of $28,634.  I called the credit union.  They had no idea what it was, confirmed that I had never been more than 30 days late, and told me they'd inform the person in charge would call me, but I should file a dispute with Experian.  Filed with Experion.  Seems they have now removed the delinquency entry and left a late payment for March 2021.  Experian won't accept another dispute and the credit union supervisor won't return my call. I filed a complaint with the NYS banking people.  My credit went from low 800s to low 700s.  Any suggestions?  I want to get my credit back up and if I can ding the credit union at the same time, well, that would be nice.

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Re: credit score
« Reply #4370 on: May 03, 2021, 01:27:56 PM »
Why won't Ex accept another dispute?
Only on DDF does 24/6 mean 24/5/half/half

Offline Mf1

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Re: credit score
« Reply #4371 on: May 03, 2021, 02:41:31 PM »
how does credit utilisation percentage work for charge cards that don't have an official limit?

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Only on DDF does 24/6 mean 24/5/half/half

Offline Sowhat

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Re: credit score
« Reply #4373 on: May 03, 2021, 04:40:31 PM »
Why won't Ex accept another dispute?

Something like one shot per dispute.

Offline eliraps

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Re: credit score
« Reply #4374 on: May 28, 2021, 10:52:49 AM »
Made a stupid mistake  and forgot about a certain credit card bill for 2 -3 months.
Paid it all in full as soon as i realized - about a month ago - but my FICO dropped from 808 down to 716. Now it is back up to 721.

1) Is there something to do about it? or just too bad?
2) I was planning to apply for a Sapphire Preferred (and possibly an Amex Plat) this month. Is that a good idea?

Online CountValentine

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Re: credit score
« Reply #4375 on: May 28, 2021, 11:27:44 AM »
Made a stupid mistake  and forgot about a certain credit card bill for 2 -3 months.
Paid it all in full as soon as i realized - about a month ago - but my FICO dropped from 808 down to 716. Now it is back up to 721.

1) Is there something to do about it? or just too bad?
2) I was planning to apply for a Sapphire Preferred (and possibly an Amex Plat) this month. Is that a good idea?
If this is your only mistake with this creditor send them a good will letter to try and get the late removed.
Only on DDF does 24/6 mean 24/5/half/half

Offline eliraps

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Re: credit score
« Reply #4376 on: May 28, 2021, 11:38:48 AM »
If this is your only mistake with this creditor send them a good will letter to try and get the late removed.
Thank you. I already tried that on the phone. I will try messaging them. Any other advice? specifically about applying for other cards now?

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Re: credit score
« Reply #4377 on: May 28, 2021, 02:18:32 PM »
Thank you. I already tried that on the phone. I will try messaging them. Any other advice? specifically about applying for other cards now?
Send them a letter. Google good well letter and you will find many examples.
No call, PM, text or that other new technology.  :)
Only on DDF does 24/6 mean 24/5/half/half

Offline eliraps

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Re: credit score
« Reply #4378 on: June 02, 2021, 03:26:19 PM »
So I get an email from Chase credit journey that my score dropped.
I check my Chase credit journey (powered by Experian) and it shows that in the last month my score dropped 58 points! to 749.
Concerned with this drastic drop I sign in to Experian and see that actually my score is 790. Still a little drop but nothing drastic.
What's up with that?

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Re: credit score
« Reply #4379 on: June 02, 2021, 03:33:28 PM »
So I get an email from Chase credit journey that my score dropped.
I check my Chase credit journey (powered by Experian) and it shows that in the last month my score dropped 58 points! to 749.
Concerned with this drastic drop I sign in to Experian and see that actually my score is 790. Still a little drop but nothing drastic.
What's up with that?
Real score vs fake score, case closed.  :)
Only on DDF does 24/6 mean 24/5/half/half