Card Acquisition Risk Score

[toi34]

How can this score -- which is different than the regular Fico score -- be improved?

[Revelate]

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@toi34 wrote:

How can this score -- which is different than the regular Fico score -- be improved?

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Oujia board

I honestly don't know, and doubt anyone else who's able to talk abut it does either.  There's a dizzying array of secondary scores from all the bureaus, and realistically focusing on the primary underwriting algorithms is best for success in the credit market.

In theory a pretty report should generate a pretty score on any algorithm, though some things may look at things very very differently.  Does a stale report of no new tradelines in the last 20 years have a higher or lower Card Aquisition score than someone who opened a tradeline six months ago?  Hard to say, presumably they're looking for something akin to first payment default, or some time period of default likihood, but beyond that no se nada.

[Anonymous]

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@toi34 wrote:

How can this score -- which is different than the regular Fico score -- be improved?

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You can do a Google search and find a bunch of information on this.

However, I would expect scoring models based on serious historical report analysis to all end up in pretty much the same place.

[AndySoCal]

If you google the score there are posts by others on FICO forum who have encounted  the score. I could not find any helpful information on the score.