Knight

Is this a chart you made yourself or is it something you got from DCU? Here is what what's affecting mine the most: Too many accounts with balances FICO® Scores consider the total number of accounts a consumer holds with balances, including credit card balance amounts that appear from the most recent account statements—even if that balance was paid off. Your score was impacted by having too many accounts with balances. Keep in mind: Generally, people who limit the number of accounts they have with balances appear less risky to lenders.

Let's say I have two revolving accounts at 4% each, another at 8%, but one at 23% (because of a 0% APR offer), yet the overall utilization is at 7%. is this lowering the FICO score? Also how does this affect the EQ Fico5 if you know?

Besides AZEO, what is the next best way to maximize a FICO score? What metrics should be used for utilization, number of revolving accounts with a balance, etc...? Thanks.

Is there a bracket for the Age of credit? Do you think hitting 800 is even possible with AAOC less than 6 years?

What is your AAOC?

is this even legal to do?

How do we define "Best"? Does "1CC" mean a thin file with only one open credit card account and one old account (maybe a loan) or is the old account a credit card? Does "0 open" mean the old account is closed and no other accounts on file? Can someone explain the graph key?

Thanks man, I found it. I am currently analyzing it. I have a question though about a spreadsheet in the file, But I don't want to hijack the OP's thread so I will start my own.

It's not 'Girl Math'. It's 'Magic Kingdom'.

Paying $1,000+/month on average for a car is just beyond ridiculousness. I understand when people say they don't like to talk about money.

Boy for a minute I thought I was looking at a Bitcoin historic chart. 😂

You gotta give it to BTC, as soon as I think it will collapse and die, it makes a strong comeback.

To look cool. 😂

How much annual fees do you pay them every year?