re: Once again, credit scores are a scam

quote:

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Reasonable logic

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Credit scores are not reasonable logic.

They are a quantifiable analysis of your chances that you will become 90 days past due on your debt.

And it isn't just 1 credit score card.
The repositories use about 8 scorecards. Someone 20 years old with limited history does not get placed on the same rubrik as someone who is 40 years old and has paid off 3 mortgages as agreed.

Quit looking at a credit score like a dick measuring contest and you will be much happier in life.