AZEO and Small Number of Accts

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Nope you are correct, but the convo was deleted by mods. Sent the audio of the convo RE credit manipulation to the mods to substantiate the post but have not received response. Am undecided if I will simply make a new post about *** experience.

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That you should not do, instead you should PM one of the mods and ask if an update is available.

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I've sent seperate PMs to three mods, no responses.  I highly doubt they are complicit but some sort of response is warranted given the allegation was substantiated. I thought your earlier comment was just coincidental I hope at least some people were able to read my story before it was removed and proceed with caution.

[Pikaboo-icu]

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@Anonymous wrote:

Nope you are correct, but the convo was deleted by mods. Sent the audio of the convo RE credit manipulation to the mods to substantiate the post but have not received response. Am undecided if I will simply make a new post about Penfed.

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Agree with wiseOldMan. It's unwise and likely against the TOS to repost that which the mods deleted..

One thing you need to understand is: My Fico is responsible for the info posted on their forums.

There isn't substantiated evidence for this and even IF there was, I doubt this site wants to have accusations of illegal activity posted on their boards.

You have to consider; that could've been a rogue CSR that was either A: wrong (we know this happens a LOT) B: perhaps the rep is disgruntled or quitting soon and trying to damage their company. 

We just have ZERO DP's on this and even with strong evidence to prove it true- posting it here is probably a bad idea. 

ps: I intentionally left out all reference to the company in question and the details of the accusation. 

[Anonymous]

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@AnonymousBBS, I'm not sure a profile that looks like someone who barely uses any credit is a stronger profile than someone who uses credit, and responsibly via PIF by due date, across several cards, even if the first profile is a few points higher.

I think a AZEO profile is only good for tricking computers, anything that goes to manual review involving human, which includes possible CLD reviews, it becomes a bust.

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The bottom line is that if you have an on the cusp type score, AZEO can't hurt.  There are cases where it doesn't always help, but it's not going to hurt.  That being said, I see no reason that someone with an on the cusp type score would be ill advised to implement AZEO.