If AUs really are still scored in the mix as normal accounts, then I'd have to think the Cap1 is destroying a high-700 score. Taking everything into the mix I have a 725 with a 37 year credit-history, a 9 year average and a 5% utilization. The Cap1 CO is what is indicated as a neg a Delinquency and 'Recent' Late Payment (if 6 1/2 years is recent). I can't imagine that w/o the Cap1 37 Year Perfect Low Utilization Credit would 'only' be scoring 725. I'd imagine I am rebucketed with perfect credit people and showing an anomaly that is severely hurting the score.
