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Use your experience to be my simulator

Moderator Emeritus

Re: Use your experience to be my simulator



fused111 wrote:
I was under the strong impression that lates are far worse than high util.  I have read posts where people had scores of 730 or so and had only one baddie, a 30 day late and their scores dropped to around 650.  Any ideas here?


They are pretty close.. 35% is payment history.. and 30% is util.