CRs do not include birthdate, so there's no way a FICO score could "know" how old you are. Or if you have 4 legs and a tail. 
ETA: See below, I stand corrected. Birthdate is indeed included in CRs; I think it's part of how they match you up with name,SSN, addresses, etc. But I don't know if it's part of the data that goes into the super blender that spits out the FICO score.
Message Edited by masdeocho on 05-17-2007 12:30 AM
@Anonymous wrote:CRs do not include birthdate, so there's no way a FICO score could "know" how old you are. Or if you have 4 legs and a tail.
Yes they actually do. If you look at credit at a glance your bday is right there. I liken the FICO black box algorithm this way. He's the mad genius who goes to start his car in the driveway but forgot to put his pants on.
I stand corrected. I'm the one without pants. But show me where it says how many legs you have and whether your tail is wagging.
@smallfry wrote:
@Anonymous wrote:CRs do not include birthdate, so there's no way a FICO score could "know" how old you are. Or if you have 4 legs and a tail.
Yes they actually do. If you look at credit at a glance your bday is right there. I liken the FICO black box algorithm this way. He's the mad genius who goes to start his car in the driveway but forgot to put his pants on.
