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Just a curious thought, with all of the discussion about how to fix your credit reports or even try to trick the fico scoring system
You guys don't think myfico maybe looks at these posts and change their scoring methods?
Not to sound paranoid.
I dont see where FICO is trying to be tricked. What i have seen is ways that it works and ways to improve to improve your score. As in the shopping cart thing that some do, thats not tricking Fico itself imo. Your scores are what they are.
Pay for deletion or GW letters for late payments for example.
Those are part of your risk history right?
Why wouldnt fico want to keep track of that history of risk.
If they didnt, they really dont have a somewhat full picture of your risk rate.
Even though it was "deleted" from your credit file prematurely, ie 7 or 10 year mark