Since we now can access credit score through Equifax and few other credit information services(even though their score is not precise), I came to think about credibility of scoring system. As I read from one of the post, there is tendency that emphasis is on debt balance ratio (or even amount) than payment history. What I found is as long as you do not have any negative item and too many inquiries, you can raise substantially your score in short period of time (as short as 1 or 2 month) by reducing revolving balance. I had score of 682 last month with $3,430 of balance and after reducing balance to $87 , my score is 7 19 this month. If this is the case, credit scoring system is not reflecting long term credit management ability, but financial status of certain point which can never be exact judgement for someone's credit history. I want hear your precious opinion.