@CreditDunce wrote:All of the reason codes are negative. You get the points for not having the reason code. I look at it like, FICO 08 needs revolving and installment loans for the best score. NG needs retail and regular cards for the best score. I don't see any reason why we should argue. It is a stupid model that isn't used much. Apart from Penfed and possibly Alliant, I can't think of anyone that uses it. IMO VS 3.0 scores are more important because it is possible VS may at some point become popular.
Not my point though I didn't make it clear, the fact that store cards are listed seperately from bankcards, and which one do you think is viewed as "better" by the FICO overlords in the algorithm?
Anyway it's irrelevant.
