No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
@Anonymous wrote:The only problem is when playing soccer you sit on the bench because you are not so good. FICO can stop you from buying a house or getting a loan when you are the same credit risk as you were the day before. The longer that I pay my bills on time the better a risk I become regardless of who you compare me to. My score should not drop simply because I am compared to a different group of people. Example:I am at the top of the bucket for people with BK's and one day I move buckets and my score drops. That would mean that people in the bucket with people with BK's may have a higher score than me. One day my score is higher than their's and the next it is lower. Nothing changed in my creditworthiness I just changed buckets. So the guy that I was deemed to be a better risk than the day before is now a better risk than me even though my paying habits remained constant. This is not an accurate risk analysis.I can certainly understand how buckets could be used to help an individual increase score but I am rather confused at the justification of it hurting a score.