@llecs wrote:
@HiLine wrote:Why is it 9% or below and not 1%?
I can recall a couple of posters, psychic is one, who went in depth about changes to their FICO(s) when they let 1% report, 2%, 3%, and so on. At least one found their sweet spot at 5%. But it's certainly a YMMV thing. It might be 1% for one or 9% for another.
Guilty!!! Mine is at 4%. And I've tested it a few times.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.