Anybody know anything about this alternate of the "Classic" scoring model? I think WAMU uses it, maybe others???
The way I have read FICO's own information on this subject is your classic score is generated and then there is a revolving credit specific layer applied to this score. If you have a clean revolving history this added layer will boost your score somewhat, and if your revolving history is more negative then your classic FICO score will be adjusted downward.