No one can answer that great question.
FICO has about 12 different algorthms that they use for credit scoring, and no one knows the trade-secret rules that govern which algorithm will be used for your scoring.
The major divisions seem to be "clean" and "dirty" files (dirty being a 60+ late), and then :"thin" vs "thick files, with the division based on at least three open accounts.
Each then has different algorithms based on %util, AAoA, payment history, etc. that no one knows.
There are buckets within buckets.
What affects someoe with a dirty credikt file will not have the same affect on someone with a clean file.
Buy no one other than Mr. Fair Isaac can tell you for sure. That is why we pontificate!
