@Anonymous wrote:
Just to clarify, I'm not making fun of her, or her naivete in this area. I just think it's kind of funny how we all endlessly tweak our scores and learn all about the ins and outs of FICO scoring, and there she is with reports and scores I am a bit envious of, yet not knowing the first thing about "too many accounts with balances" or "PIF before the statement date." Maybe a little wide-eyed innocence (and consistently paying on time) can be good sometimes.
I've thought that same thing before. How most people have no idea about PIF before the statement cuts or too many new accounts or anything. I wish my scores were good enough that I could be one of them.
