New Contributor
Posts: 79
Registered: ‎12-20-2012
Re: HP on your credit

There is also an effect from length of credit history, at least that was the effect of some experimenting I did with the score simulator.  Having a short history means the HP has much more effect than having a long history, it will both have more negative at the start, and will age more slowly.

Starting Score: 2012-10-06 EX: SSN has not been allocated! (funny I pay my taxes)
Current Score: TU 08 - 787
Goal Score: 820+