@Anonymous wrote:
That does not preclude someone from hitting 850, it simply means the profile could be better and have a higher buffer. Or in the case of someone under 850, they can earn more points.
Right, but means they aren't achieving maximum points in that Fico category without having that almost-paid-off loan present. The same way someone can have a couple of inquiries and still possess 850, but they are aren't maxing out the 10% new credit sector. Outside of the payment history sector of the Fico pie I believe one could fall short in any other category a tad and still snag an 850.
