Do you think a 720 score is better than a 721 score? (comparing profiles)

[Anonymous]

EXCLUDING MORTGAGES!!! Car loans and credit cards, ect..

PERSON A
23 accounts
1 30 day late
2 inqs
long history
15% UTL
score 720

PERSON B
12 accounts
0 lates
0 inqs
shorter history
1% UTL
score 721

Do you think person A has better credit or does score still trump all these days?

[MidnightVoice]

Depends on the creditor!!

[Anonymous]

Depends on how long the history is.  I would probably bet on person A. 

[smallfry]

Short history and no inquiries? That wouldn't be TU would it? Lots of variables. 12 accounts might be considered a thin file by some lenders. A appears to have left a few points on the table with his/her utilization. How short is the history for B?

[Anonymous]

Are those real scores? I would expect Person B to have a much higher score (assuming age is over 2 years - but it would be hard to obtain 12 accounts in 2-3 years).

[smallfry]

---

@Anonymous wrote:

Are those real scores? I would expect Person B to have a much higher score (assuming age is over 2 years - but it would be hard to obtain 12 accounts in 2-3 years).

---

Not really. I got 14 accounts in 3 months if you want to include a car loan and a refinance on the same. Yeah they count don't they?

[Anonymous]

But did you have a long established history when you acquired all the new accounts?

I think it is hard for someone to start with no history and obtain 12 accounts in 2 years.

[Schoolbuskid]

Like MV it depends on the creditor, but i believe Person A would probably have a better chance at getting approved over person B, because of history! Their credit file will reflect stability and show whether that person is a risk or not! I also believe that many creditors would overlook the 30 day late!

[smallfry]

---

@Anonymous wrote:

But did you have a long established history when you acquired all the new accounts?

I think it is hard for someone to start with no history and obtain 12 accounts in 2 years.

---

Yes I did. No history is different than a short history. I wonder how short the history is for B in this case.