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re: Is Credit Scoring Inherently Biased?
Posted on 6/23/20 at 11:38 pm to M. A. Ryland
Posted on 6/23/20 at 11:38 pm to M. A. Ryland
quote:
Funny story: Discover card gives you your FICO rating in the bill each month. I've been consistently 850 for a long time now. Then I actually paid off the house, and they dropped the score to ~820... Apparently not having a mortgage anymore makes the score go down!
I was naive about this years ago and was surprised when my credit score took almost a 30 point drop when I paid off my last student loan. Silly me thought it would go up from tackling such a large number and paying it off well in advance of the terms of the loan.
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