Another step closer to cracking the code?

[Junejer]

Here are some interesting links that should help us to understand a bit better how the CRAs calculate our fico scores. There is some very interesting information in these.

http://www.transunion.com/techservices/systemcoding/codedefinitions.page?
http://www.experian.com/products/pdf/instant_update.pdf
http://www.creditengine.net/equifax_format.htm

This may already be out here somewhere, but I was just searching after reading another thread.  enjoy.

[Anonymous]

Thanks Byrd! Fascinating info you posted.

I'm sure RobertG will have a fit when he sees these. lol

[jackg]

Byrdman,

Thanks for the reading material, any info is helpful.

[Dawn]

I have only just begun checking out the links, but I find it interesting that on the TU pages for account designator codes, I find the definition for co-maker to be:

Co-maker: account in which the subject is a cosigner (no spousal relationship), who becomes liable if the maker defaults.

I am "co-maker" on a car loan that DH and I recently obtained.  Why they listed us as "maker" and "co-maker" baffles me. 

[haulingthescoreup]

On the EX list of serious derogs, lates start with 90 day, rather than 60 day. I wonder if that's part of the reason that my EX has always been my highest score.

[Anonymous]

yeah its my highest score too hauling

[Anonymous]

EX is promoting their skip tracing products (wonder how that CA got your phone number?)... it's bad enough they collect info on us -- now they are selling it to CAs....

Message Edited by Lady_Scarlet on 01-21-2008 10:50 PM