I pulled my credit report from each of the 3 CRA websights, i asked for the option that gave me my 'score'. My scores were 665,671 and 673. All three listed 'public record' as my number one negative item, with my proportion at 54% as number two. My question is are these in order they actually effect your score? Because my 1 public derog is a 9 year old BK, and I would have thought that it would have little impact on the score at this time. Thanks
correct, the first reason code is the most significant to a dropping in your score. However, when your FICO reaches 750+ then the reason will be really ridiculous and not make sense because FICO has to fill in the score code with three reasons even with a perfect score of 850.
