RobertEG wrote:PIF only makes you happy, it does not not put money into the pockets of the credit card companies. So why would any credit card company want to see you rewarded with an improved FICO score if you are a recognized PIF'er?
MidnightVoice wrote:In many ways, Fair Isaac "created" the modern CC game
True - I suppose I meant the current version of the game
Quartrermoon wrote:I am so interested in learning the FICO way. Please, if anyone is willing to educate me on this process, I would be devoted to share with my family, friends and help anyone recover from the credit ignorance I grew up with.
Most cards report "previous Balance" and "Last Payment"
If FICO wanted to take this into account(PUN) they could-