@SouthJamaica wrote:
Having credit available to one, and not using it, is NOT a risk factor.
IMHO the reason FICO penalizes that state of repose is that someone who doesn't need to borrow is not a profit maker for banks.
And you make this assertion based on studying how many credit profiles over how many years?
Because FICO doesn't just randomly play with their algorithm. It's based on what has actually happened with millions of borrowers tracked over numerous decades. Just because historical data doesn't match your thought process doesn't mean it's invalid.
