The thing that this doesn't really take into account are any CHARGEOFFS or judgements or collection agencies on the CR. I filled this out and got a 638 score. I know I can't possibly get this high because I have multiple CHARGEOFFS. Of course I will have 0 30,60,90 day lates in the past year or even the past 2 years. All the 30-90-120 day lates are 3-5 years ago so they don't count as much.. So how accurate is this thing for people like me then??
Re: creditanalyzer - accurrate The creditanalyzer is fairly accurate if you have no charge-offs, judgments or liens. The score on the creditanalyzer and my FICO score usually are within 2-5 points of one another. If you have charge-offs, late pays and liens, I've seen the the analyzer be off by as many as 75 points.
Re: creditanalyzer - accurrate I have no judgments or chargeoffs or anything like that, but my score is about 90 points off.
Re: creditanalyzer - accurrate Also, When I tried it way back when it was first posted here, it was way off then too...
