I just got off the phone with Barry Paperno at Fair Isaac (Yes, GEORGE, the originators of the RNG). First, he apologized that I had such difficulty getting a mailing address for FICO and agreed that, yes, it was stupid to try to conceal something that is public record. In our conversation it came out that he was one of the people who helped derive the algorithm that generates the FICO score. I asked him some direct questions that are concerns of many posters on this board. Here are the questions and his answers: 1: Does the algorithm incorporate any non-credit information, such as zip code, age, etc... that would be used to score people into bands on "people like you..."? Answer - absolutely not. The algorithm uses nothing but the credit file as it stands at that moment of time. 2: How can the addition of a derog trade line cost 40 points and its deletion two months later, with no other changes in the credit file (no new accounts - no inquiries - only small decreases in mounts owed, no new lines opened or closed - only yield a refund of 16 points (this happened to me). ANSWER: The true FICO algorith wouldn't respond like that. Fxperian does not use dthe true FICO algorith, EFX and TU do. 3: What are the possible effects of the inclusion of a single new 30-day late line? ANSWER: It depends on the rest of your file. If, on one hand, you have a long credit history without prior problems, the new line would have a very small impacy. On the other extreme, of you already have a recent BK and lot sof other recent derogs, taht one line can cost up to 100 points. I suggested he join this board and post occasionally. Whether you believe him or not is up to you, but I think he has something valuable to add. In any event, it would be fun to see him and GEORGE go head-to-head.