My credit history is now clean of bad things except inquiries and debt. Does that make FICO scoring different for me?
My neighbor (not really my neighbor, sounded good) for example might have a few negs.
Actions that I take make my score go up, up, and up!
Can these same actions make my neighbors score go down?
I understand that I can apply for more credit cards than someone else and not be hurt as much as someone that has fewer cards to start with. But that's only because of my number of cards and history. That can be seen and understood. But on some things seem bizarre where time and time again my score goes up from actions and reflected by Score Watch. Then other experienced people that I trust says it does not happen for them. They are very creditable so I believe them to be truthful. And then things that make my score drop they say does not drop for them? If that's the case how does one explain this? If so what are the factors that make a POS for me NEG for them?
Do we all need to ask what type of outline a persons credit file looks like? How many negs, pos, ect to say whether the score will reflect a specific action? For a person with a good credit file, I have always been able to raise their scores "significantly" and their scores followed the same path as mine.
How different should my advice be for a credit report with negs. Does the type of neg determine, or just how many negs determine if their next action will be negative or positive. Because I know for a person with a good CR these actions have always effected their scores positively for everyone that I helped. Or is it just a conflict of opinion? I like to test things and post results before and after. However, I see that this "might" not be the same score action for someone else. Help!
Do we have to say, My CR looks like this and this action had this result? Instead of this actions does this. Are these actions different for different people?
Message Edited by ilovepizza on 06-19-2007 04:51 PM