I dont know of the source of the clear distinction you have offered as to a so-called "bucket 1" or "bucket 2", but I am aware of no such clear distinction. I think one is an indent under the other, and not a distinct "bucket."
In my understanding of credit algorithm "bucketing," the presence of any major derog places you into a first major branch of so-called bucketing, commonly referred to as a "dirty credit file." How many, and how severe they are, is then a sub-branch of the dirty file category. Then there are additional branches on each that look at the additional affects of other major considerations, such as % util and length of credit.
I think the two different "buckets" you have identified are really one major bucket (any maj derogs), and a sub-branch under that of their number and severity.
If you have no major derogs, that will probably place you on an intitial, major branch of the logic tree commonly referred to as a "clean" credit file. Under this branch, and its sub-branches, the impact of other factors, such as minor derogs, % util, or lenght of credti, may be given totally different weithts than those applied when scored under a "dirty" file. It is just not possible to prectict, in any simplified way, the affect of the change in one item on your CR on which scoring algorithm will be used to calculate your score, and even more impossible to predict the effects of each of the scoring factors in your total score.
While the term "bucketing" is commonly used to describe credit scoring, that is probably misleading terminology. FICO uses a logic tree to determine which of its appox 12 scoring algorithms will be used to produce your score. Some factors in your CR, such as major derogs of high util, may have more impact on determining which major branch of the tree you will be scored under, but in the end, when you move down the tree, all FICO factors ultimately enter into which algorithm, or "scorng bucket," will be used to produce your score.
