I'm wondering how much a persons actual FICO score is figured into this? Technically, if a person is paying their bills on time each month, that persons score should be on the rise as accounts age and payment history is established. And if the company is actively monitoring this, there should be some indication of "soft pulls" on a persons CR, correct?
EQUIFAX - 640 1/05/12 - Goal of 720 by Mid May!
Transunion - 637 - 01/15/10
