FICO Frustration

[Remedios]

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@tricie17 wrote:

@Anonymous So I guess my using credit cards in a sufficient manner and paying down for small utilizations along with the Bureaus paying attention to history, late payments and such.  Installment loans, having a number of tradelines is not calculated with scores.  If this is the case I should have stellar credit.

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Your statement was patently wrong.

If you wish to maintain those beliefs, that's fine by me, but please, less snark when someone is trying to help you understand. 

[Anonymous]

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@tricie17 wrote:

@Anonymous So I guess my using credit cards in a sufficient manner and paying down for small utilizations along with the Bureaus paying attention to history, late payments and such.  Installment loans, having a number of tradelines is not calculated with scores.  If this is the case I should have stellar credit.

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@tricie17 Number of installment loans and number of revolvers/cards is calculated with score, they are scoring factors. Recommend you read the Scoring Primer linked at the top of my signature; it will help you to understand a lot of the fundamentals and beyond if you wish to.