For Lizardking et al.Keep seeing references to "ideal model" maybe you would like see this. http://www.ftc.gov/bcp/creditscoring/present/img008.gif
Interesting ... Yea parts of that score card make no sense like the inquiries lines and the "years at address" lines...I think that is highly flawed. -Dave
I used the fico scorecard as a guide. Some others didnot like it when i posted here some months ago though. I am glad you like it. roni
Adding up my "scorecard" got me a 131. To max this "scorecard" out, I would have my own my own home, that I lived in for over 10 1/5 years, be a retired professional with both a department store and major credit card, with a debt to income ratio under 15%, who hasn't applied for an credit in the last 8 years. I of course would have to have only 1 or 2 accounts with under 15% of my credit utilized with no degrogs and over 3 paid as agreed accounts. OMG.. Thatâ??s my Grandparents. :~) Does this mean when Iâ??m 90 I have good credit? BTW.. My Grandparents, who are very much alive will be celebrating their 64th wedding anniversary the end of this month. (Sorry I'm just so proud) Desdemona
Desdemona.....lol,congratulations to the grandparents! for everyone thought I would link to one of my more favorite sites concerning credit scoring for those who haven't seen... http://www.creditscoring.com/
numnuts....roni posted the scorecard link a long time ago(see below) please keep current ____________________________________________________________ Author: roni (---.proxy.aol.com) Date: 11-11-00 17:35 Check out the Fico Score card at: www.ftc.gov/bcp/creditscoring/present/sld008.htm the info is there about balances and # of accounts. roni.
I missed roni's post...thanks for the link Nuts Also that site with that 1997 letter cracked me up: http://www.creditscoring.com/letters/equifax.htm (long and old but good) -Dave
EXCUSES Nave and others...this may have been posted before butI thought it so funny worth a possible repost.... http://www.collectionagency.com/abs/excuses.html
