Topic Wiki

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 810954 times)

Offline upside down

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Re: credit score
« Reply #340 on: October 24, 2014, 02:03:24 PM »
Is creditkarma accurate on how many hard pulls you have on your account. I have applied for about 10 chase cards spread through the year and it all it shows is one chase pull. Is that possible or it's a mistake

Offline TimT

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Re: credit score
« Reply #341 on: October 24, 2014, 02:12:47 PM »
Is creditkarma accurate on how many hard pulls you have on your account. I have applied for about 10 chase cards spread through the year and it all it shows is one chase pull. Is that possible or it's a mistake
Doesn't make much sense.

Offline EJB

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Re: credit score
« Reply #342 on: October 24, 2014, 02:15:36 PM »
Is creditkarma accurate on how many hard pulls you have on your account. I have applied for about 10 chase cards spread through the year and it all it shows is one chase pull. Is that possible or it's a mistake

Mine is lower than I'd expect as well

Offline TimT

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Re: credit score
« Reply #343 on: October 24, 2014, 02:25:49 PM »

Offline tzvicoco

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Re: credit score
« Reply #344 on: October 24, 2014, 02:41:01 PM »
how long does it take a credit pull to show up on your credit score? I just did an app-o-rama three weeks ago and my credit score went up...

Offline noturbizniss

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Re: credit score
« Reply #345 on: October 24, 2014, 03:20:12 PM »
http://forums.dansdeals.com/index.php?topic=43876.msg880227#msg880227
Score is FAKO, the pull count is real. That being said...
Is creditkarma accurate on how many hard pulls you have on your account. I have applied for about 10 chase cards spread through the year and it all it shows is one chase pull. Is that possible or it's a mistake
Credit Karma is Transunion only, and applications ( in NY and NJ at least) mainly have pulls from Experian, so they won't show up on Credit karma. Credit Sesame is an experian company, thought I'm not sure they show the actual number of pulls.
READ THE DARN WIKI!!!!

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...READS THE WIKI!!!

Offline noturbizniss

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Re: credit score
« Reply #346 on: October 24, 2014, 03:21:05 PM »
how long does it take a credit pull to show up on your credit score? I just did an app-o-rama three weeks ago and my credit score went up...
Depending on all the other factors, it may not impact the score. If they are on the list of pulls, then dont worry
READ THE DARN WIKI!!!!

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Offline upside down

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Re: credit score
« Reply #347 on: October 24, 2014, 04:04:10 PM »
i checked creditsesame and as you said they dont shows how many pulls are on my account, is there any way for me to figure out how many pulls are on my account to gauge if its safe to apply for a few more chase cards?

Offline noturbizniss

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Re: credit score
« Reply #348 on: October 24, 2014, 04:30:13 PM »
Annualcreditreport.com and hey the experian one. Or sign up for one of the free or 1.00 trials and remember to cancel our use a citi virtual number with 1.00 limit
READ THE DARN WIKI!!!!

Chuck Norris...
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Offline Boruch999

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Re: credit score
« Reply #349 on: October 25, 2014, 03:26:23 PM »
i checked creditsesame and as you said they dont shows how many pulls are on my account, is there any way for me to figure out how many pulls are on my account to gauge if its safe to apply for a few more chase cards?

See here:  http://forums.dansdeals.com/index.php?topic=8398.msg940477#msg940477

An amazing way to get your EX report for free forever ( or until they change it.)

Offline Boruch999

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Re: credit score
« Reply #350 on: October 25, 2014, 03:27:13 PM »
See here:  http://forums.dansdeals.com/index.php?topic=8398.msg940477#msg940477

An amazing way to get your EX report for free forever ( or until they change it.)
[/quote

This really belongs in a wiki somewhere.  Anyone have any ideas as to which one?

Offline smiley face

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Re: credit score
« Reply #351 on: October 28, 2014, 05:29:21 PM »
Will it hurt my credit score if I put large amounts on new credit cards and pay them off right away.
E.g. $5000 with a $5000 credit limit?
Also is anyone familiar regarding doing this before applying for a mortgage (in about 3-4 months)?

Offline avrumy22

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Re: credit score
« Reply #352 on: October 28, 2014, 05:32:31 PM »
Will it hurt my credit score if I put large amounts on new credit cards and pay them off right away.
E.g. $5000 with a $5000 credit limit?
Also is anyone familiar regarding doing this before applying for a mortgage (in about 3-4 months)?

deff not recommended to max out your card. One thing you can do is pay it off before the statement closes (diff from when the payment is due)

another option is to put it on a business card.

Offline AJK

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Re: credit score
« Reply #353 on: October 28, 2014, 05:33:36 PM »
Generally speaking, as long as you've paid off the balance well in advance of the statement cut date (when they usually report outstanding balances to bureaus) you should be fine.

That said, apparently some creditors report amount paid during billing month, so keep that in mind.
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

Offline smiley face

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Re: credit score
« Reply #354 on: October 28, 2014, 05:38:08 PM »
deff not recommended to max out your card. One thing you can do is pay it off before the statement closes (diff from when the payment is due)

another option is to put it on a business card.
Thanks! that's what I meant as soon as it posts to the credit card...
Generally speaking, as long as you've paid off the balance well in advance of the statement cut date (when they usually report outstanding balances to bureaus) you should be fine.

That said, apparently some creditors report amount paid during billing month, so keep that in mind.
Thanks!

Offline Joe4007

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Re: credit score
« Reply #355 on: October 28, 2014, 05:40:36 PM »
Generally speaking, as long as you've paid off the balance well in advance of the statement cut date (when they usually report outstanding balances to bureaus) you should be fine.

That said, apparently some creditors report amount paid during billing month, so keep that in mind.
And what if they do, does that lower his credit utilization ratio? I wouldn't think so.

Offline AJK

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Re: credit score
« Reply #356 on: October 28, 2014, 05:47:09 PM »
And what if they do, does that lower his credit utilization ratio? I wouldn't think so.

Has nothing to do with utilization.
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

Offline Joe4007

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Re: credit score
« Reply #357 on: October 28, 2014, 05:50:54 PM »
Has nothing to do with utilization.
Correct. So why would it concern him?

Offline AJK

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Re: credit score
« Reply #358 on: October 28, 2014, 06:00:57 PM »
Churning a CL is viewed as risky.
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Offline ChaimMoskowitz

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Re: credit score
« Reply #359 on: October 28, 2014, 06:04:26 PM »
Churning a CL is viewed as risky.
Now you tell us.  :)
I just found a new supply of forks!