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WestlakeMan wrote:
My Fico report clearly shows that I paid off a mortgage of over 200k recently on a home. I did not replace it with a new mortgage. Yet, the FICO scores seem fixated on whether I increased a credit card by $50 vs. paying off this mortgage.So, I'm at a loss to understand a lot of how the scoring works as this liability was huge compared to all my modest credit card debt.