@Carbusys wrote:I got my numbers from the Transunion web site. But, nonetheless, even your numbers shows the original poster how important payment history and amount owed (and balance on revolving credit is). They account for 65% of a person's score. He will see a significant jump in his score if he was able to get the collections off his CRs and kept his balances low.
Did you notice all those percentages you got from TU only add up to 87%? 
Another reason to trust information at myFICO.
I'm just giving you a hard time. 
If we can't have fun while we learn it would be pretty boring.
From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800
TU - 8/10-772
You can do the same thing with hard work