Community Leader
Epic Contributor
Posts: 26,027
Registered: ‎03-19-2007
Re: Maximum points.. help

The "if it matters" items probably matter the most, as they are keeping your scoring in a "dirty" overall scoring categorization ("bucket"), in addition to their individual impact on payment history category scoring. However, they are not "I am in control" items.......


Fine-tweaking % util is great when you are at or approaching a credit app, so great work there!


Plural charge-offs are, in my opinion, particulary worth the effort to continue deletion pursuit, as in addition to scoring impact, they are a glaring statement upon manual review that, in the past, you let debt reach the state that the creditor considered them "uncollectible," meaning they saw little or no chance of your making good on your obligation.