http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Scoring-impact-of-different-types-of-public-records/m-p/1440798#M64191 <p>I believe that all PRs are scored the same. For certain, the balance doesn't matter at all, just like with CAs.</p><p> </p><p>I'd guess the initial hit would be the same. If I had to choose, I'd choose the CO, privided it wasn't a CC CO hurting util too. At least with the CO you'd have the age and potential positive impact to AAoA helping you.</p> Sun, 10 Jun 2012 03:43:43 GMT llecs 2012-06-10T03:43:43Z http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Scoring-impact-of-different-types-of-public-records/m-p/1440618#M64189 <p>Does anyone have any input as to how much impact different types of public records have?  Are they the same?  Like a 2 year old released tax lien is the same as a 2 year old paid judgment?  How about amount?  Is a $10,000 judgment worse than a $500 one?</p><p> </p><p>If you had an otherwise clean report, what would be worse score-wise?  A $1000 charge off or a $1000 judgment.  I have read PRs are the worst, is that true?</p> Sun, 10 Jun 2012 00:55:28 GMT http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Scoring-impact-of-different-types-of-public-records/m-p/1440618#M64189 3darcher2 2012-06-10T00:55:28Z http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Scoring-impact-of-different-types-of-public-records/m-p/1440798#M64191 <p>I believe that all PRs are scored the same. For certain, the balance doesn't matter at all, just like with CAs.</p><p> </p><p>I'd guess the initial hit would be the same. If I had to choose, I'd choose the CO, privided it wasn't a CC CO hurting util too. At least with the CO you'd have the age and potential positive impact to AAoA helping you.</p> Sun, 10 Jun 2012 03:43:43 GMT http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Scoring-impact-of-different-types-of-public-records/m-p/1440798#M64191 llecs 2012-06-10T03:43:43Z http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Scoring-impact-of-different-types-of-public-records/m-p/1441366#M64203 <p>Public records, for the most part being determinations based on findings of facts of consumer indebetness by a governmental/judicial agency, would, in my opinion, carry more weight that an internal bookeeping determination of a creditor.</p><p>Apart from the actual FICO weighting, manual review of PRs leads to  subjective opinions by creditors, and may be more significant than the actual point impact.</p> Sun, 10 Jun 2012 22:27:04 GMT http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Scoring-impact-of-different-types-of-public-records/m-p/1441366#M64203 RobertEG 2012-06-10T22:27:04Z