@Hokies2379 wrote:
@Anonymous wrote:
@Hokies2379 wrote:
@darwin_wins wrote:
That over 40% and overall 30% is hurting you. Take it down to 10% and you may see a big jump.
Yeah, but I'd still think that having a completely clean report would make a score increase, not decrease. One has nothing to do with the other in this scenario.
To say that one has nothing to do with the other is just not correct. The algorithm is extremely complex and virtually all parts of your profile are "interactive" with each other in many scenarios. You can't simply "isolate" a piece of your profile.
I forgot, common sense doesn't work with Fico Algorithm. Removal of bad doesn't always = good.
Exactly - don't try to understand it, just learn what the "rules" are. This credit game is sort of like playing Kriegspiel.... only the other side gets to see the whole board.
