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FICO V. PLUS

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Revelate
Moderator Emeritus

Re: FICO V. PLUS


@rhall2009 wrote:

 I know that the plus scores from experian are fakos but my question is as the lates within the 24 month period drop off does your scores rise or does the plus score remember hey he/she hasn't been late within th 24 months but there was a time he/she was late?


Not trying to be rude, but the fact is nobody has bothered to track Plus scores or virtually any FAKO to that level of detail because it's not used by any lenders as it is strictly an educational score.

 

Anything on the credit report is fair game to any algortihm, FICO or otherwise; anything not on the report, isn't (exception of internal scores with lender specific records of old derogatories).  If the lates are still on the report, the easy assumption is they will be used on the Plus score muchlike the commonly used algorithms (FICO, VantageScore)




        
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