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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 658989 times)

Offline CountValentine

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Re: credit score
« Reply #4460 on: February 20, 2023, 03:33:27 PM »
How do credit repair companies simply remove derogatory marks? Is this secret information?
They dispute them but sometimes they don't use kosher means.
Only on DDF does 24/6 mean 24/5/half/half

Offline coffeebean

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Re: credit score
« Reply #4461 on: February 20, 2023, 06:24:42 PM »
kosher means.
Meaning? Forging documents?

Offline sam2015

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Re: credit score
« Reply #4462 on: March 15, 2023, 03:47:42 PM »
Does it make sense that my credit score dropped around 30 points because I just finished paying off my lease?

Offline Thingywingy

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Re: credit score
« Reply #4463 on: March 19, 2023, 12:13:19 PM »
I am an AU on account with a high credit utilization ratio. Is there a way to not have it reported to credit agencies? Will removing me as an AU stop the negative impact on my credit score?

Two credit cards with balances of 20% of the credit limit, but one has double the credit limit and double the balance. Will paying down one over the other first improve your credit score more quickly? or is it best to pay them both down at the same rate (X% of respective cards balance)?
« Last Edit: March 19, 2023, 12:22:43 PM by Thingywingy »
I am sometimes accused of overthinking things. I am still mulling over whether that accusation has merit.

Offline chevron

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Re: credit score
« Reply #4464 on: March 19, 2023, 06:22:56 PM »
My brother applied for the chash ink cash says that he's showing five credit checks and that his credit dropped 76 points

Offline CountValentine

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Re: credit score
« Reply #4465 on: March 19, 2023, 06:35:15 PM »
My brother applied for the chash ink cash says that he's showing five credit checks and that his credit dropped 76 points
Credit checks? What service is he using for his score? Is it a FICO score?
Only on DDF does 24/6 mean 24/5/half/half

Offline chevron

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Re: credit score
« Reply #4466 on: March 19, 2023, 07:18:47 PM »
In chase credit tracker thing.  His card application is pending, but why would it drop 76 points?

Offline CountValentine

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Re: credit score
« Reply #4467 on: March 19, 2023, 07:24:24 PM »
In chase credit tracker thing.  His card application is pending, but why would it drop 76 points?
I don't use Chase tracking, but it sounds like a FAKO score which is useless.
Can get a free FICO score here and no CC needed.
https://www.experian.com/consumer-products/free-credit-report.html
Only on DDF does 24/6 mean 24/5/half/half

Offline Her439

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Re: credit score
« Reply #4468 on: March 21, 2023, 06:19:24 PM »
I see Capital One authorized user on Transunion report but not on Equifax report, any idea? 
I reviewing it on Credit Karma

Offline Thingywingy

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Re: credit score
« Reply #4469 on: April 03, 2023, 10:51:45 PM »
If being an AU is pulling your score down, does having the Primary remove you improve your score? Or do you remain linked to that account?
I am sometimes accused of overthinking things. I am still mulling over whether that accusation has merit.

Offline Spoon

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Re: credit score
« Reply #4470 on: April 03, 2023, 11:28:40 PM »
If being an AU is pulling your score down, does having the Primary remove you improve your score? Or do you remain linked to that account?

Yes. The account should be automatically removed from the AU CR but you might have to dispute it off

Offline Thingywingy

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Re: credit score
« Reply #4471 on: April 04, 2023, 09:14:51 AM »
Yes. The account should be automatically removed from the AU CR but you might have to dispute it off
how can I check if itís been removed? Any of the CC credit score services show that in addition to actual score?
I am sometimes accused of overthinking things. I am still mulling over whether that accusation has merit.

Offline Spoon

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Re: credit score
« Reply #4472 on: April 04, 2023, 02:17:28 PM »
how can I check if itís been removed? Any of the CC credit score services show that in addition to actual score?

Not sure but no reason not to get the real CR for free. If it's on any of them, make an account online and dispute it

Offline HoKo

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Re: credit score
« Reply #4473 on: April 09, 2023, 11:38:29 AM »
Yes. The account should be automatically removed from the AU CR but you might have to dispute it off

Can I request open/active AU accounts be removed from my credit report (i.e. the primary card owner still has the card and I am still an AU)? Or is it only closed accounts that are eligible to be removed.

Offline DealJew

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Re: credit score
« Reply #4474 on: May 01, 2023, 11:49:59 PM »
Does disputing a charge on a credit card hurt my credit?
PM me for airline compensation help. Your case is not lost!

Offline JACKBLUE

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Re: credit score
« Reply #4475 on: May 01, 2023, 11:53:36 PM »
Does disputing a charge on a credit card hurt my credit?
No