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 809963 times)

Offline Emkay

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Offline rochel

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Re: credit score
« Reply #381 on: November 04, 2014, 02:50:19 AM »
I am getting denied from Chase Ink because I have to many inquiries, my score is in the high seven hundreds, is that so bad?

I have overall good credit, but those all those inquires are killing me, I have opened quite a few cards in the past two years, but I never had a problem getting approved.

Is there a way of fixing this?

 I would like to open an amex card now, is it worth trying?  I don't want any more unnecessary pulls 

advice please?

Offline reed

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Re: credit score
« Reply #382 on: November 05, 2014, 09:49:18 AM »
Does requesting a credit increase on an amex require a hard pull?

Offline noturbizniss

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Re: credit score
« Reply #383 on: November 05, 2014, 10:20:10 AM »
Does requesting a credit increase on an amex require a hard pull?
CMIIAM, but IIRC usually not. I know the ones that are instantly approved do not.
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Offline rochel

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Re: credit score
« Reply #384 on: November 05, 2014, 10:22:11 AM »
I am getting denied from Chase Ink because I have to many inquiries, my score is in the high seven hundreds, is that so bad?

I have overall good credit, but those all those inquires are killing me, I have opened quite a few cards in the past two years, but I never had a problem getting approved.

Is there a way of fixing this?

 I would like to open an amex card now, is it worth trying?  I don't want any more unnecessary pulls 

advice please?

hey where are all the nice helpful ddf'ers  I need your input, please.

Online TimT

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Re: credit score
« Reply #385 on: November 05, 2014, 10:26:11 AM »
hey where are all the nice helpful ddf'ers  I need your input, please.
How many inquiries/approvals in the last few months ? & how many current open Amex cards ?

Offline noturbizniss

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Re: credit score
« Reply #386 on: November 05, 2014, 10:35:25 AM »
hey where are all the nice helpful ddf'ers  I need your input, please.
IME Chase is very picky with the INK business cards. less so than with the personal cards or AMEX.
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Offline rochel

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Re: credit score
« Reply #387 on: November 05, 2014, 10:40:36 AM »
I had 2 inquires from chase ink, neither got approved

all the other applications in the past two years did get approved

my last amex inquiry was approved in May 2013

I have no open open amex cards right now, just an au on my husbands card

Online TimT

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Re: credit score
« Reply #388 on: November 05, 2014, 10:41:56 AM »
I had 2 inquires from chase ink, neither got approved

all the other applications in the past two years did get approved

my last amex inquiry was approved in May 2013

I have no open open amex cards right now, just an au on my husbands card
You should be fine for an amex card. How recent was the last pull ?

Offline rochel

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Re: credit score
« Reply #389 on: November 05, 2014, 10:43:55 AM »
chase ink 2 weeks ago

Online TimT

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Re: credit score
« Reply #390 on: November 05, 2014, 10:44:58 AM »
chase ink 2 weeks ago
If your score is in the high seven hundreds you should be fine.

Offline noturbizniss

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Re: credit score
« Reply #391 on: November 05, 2014, 10:52:56 AM »
chase ink 2 weeks ago
How many inquiries are there on your report and how old. Like Tim said, with last amex pull in 2013, you should be good for them anyway.
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Offline noturbizniss

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Re: credit score
« Reply #392 on: November 05, 2014, 10:53:44 AM »
Any websites that offer free or 1.00 trial credit reports from experian that are churnable. I'd use Citi virtual number so i dont need to bother calling to cancel.
READ THE DARN WIKI!!!!

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Offline dealfinder85

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Re: credit score
« Reply #393 on: November 10, 2014, 02:35:06 PM »
https://www295.americanexpress.com/premium/credit-report-monitoring/home.do
this worthwhile?
now i see it seems they dont give you fico
anyone use this?
« Last Edit: November 10, 2014, 02:40:23 PM by dealfinder85 »

Offline dealfinder85

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Re: credit score
« Reply #394 on: November 10, 2014, 03:00:27 PM »
spend a dollar on experians site to get my score, which now i realize is fako
« Last Edit: November 10, 2014, 03:09:07 PM by dealfinder85 »

Offline justaregularguy

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Re: credit score
« Reply #395 on: November 10, 2014, 11:20:48 PM »
does this make any sense: i had a score of 741 about a month ago when i applied (and denied) for ink plus. then last week a got 2 amex cards and my score is 716(2bm). was that too close together in applying that they smacked me w a huge pull?
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Offline D93

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Re: credit score
« Reply #396 on: November 12, 2014, 02:13:51 AM »
If I check my CR from annualcreditreport.com, is it a hard pull? Will it show up as a "recent inquiry"?

Offline thaber

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Re: credit score
« Reply #397 on: November 12, 2014, 02:16:32 AM »
If I check my CR from annualcreditreport.com, is it a hard pull? Will it show up as a "recent inquiry"?
no it's a soft pull

Offline noturbizniss

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Re: credit score
« Reply #398 on: November 12, 2014, 10:42:07 AM »
If I check my CR from annualcreditreport.com, is it a hard pull? Will it show up as a "recent inquiry"?
Any time YOU check your own score it's a soft pull (annualcreditreport, freecreditreport.com, credit karma, etc.)
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Offline noturbizniss

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Re: credit score
« Reply #399 on: November 12, 2014, 10:42:32 AM »
does this make any sense: i had a score of 741 about a month ago when i applied (and denied) for ink plus. then last week a got 2 amex cards and my score is 716(2bm). was that too close together in applying that they smacked me w a huge pull?
Do you have large balances on any cards?
READ THE DARN WIKI!!!!

Chuck Norris...
...can still do FT method
...READS THE WIKI!!!