I thought some may want to check this thread out. Christine from bayhouse recently spoke with Fair Isaac, over concerns about inquires, collection and limit reporting. It may be of interest to some http://www.bayhouse.com/discus/messages/1231/1390.html?986653279#POST7849
interesting how the software reports as "closed" accounts that have not had activity but have been listed as "open." cya dog
what about the reason code 8 for too many inquires when you have had 1 in the last 6 months and 2 total in the past year?? Equifax has listed 34 inquires but all but 4 are from them due to disputes. software error again??
Thanks Mom I have always felt that FICO treats discharged BK accounts much more gently than chargeoffs. Now Christine is reinforcing my opinion.