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do both of these count against you?

gamblerx15
New Contributor

do both of these count against you?

If an account is iibk and shows a 30 day late do both of these count against your score or does fico just look at the worst factor for that account and rate accordingly. IE iibk is worse than 30 day late so
only iibk is factored into score.
 
thanks

Starting Score: 649
Current Score: 680
Goal Score: 700


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