Comments on: myFICO composition and score factors http://creditfactors.com/2008/09/myfico-composition-and-score-factors/ FICO credit scores - settling debts - dealing with collectors ... Mon, 23 Jan 2012 05:25:34 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: Christine http://creditfactors.com/2008/09/myfico-composition-and-score-factors/comment-page-1/#comment-139 Christine Fri, 20 Feb 2009 06:30:00 +0000 http://creditfactors.com/?p=285#comment-139 Jodi, once again I get to document that the most abusive people are freeloaders and losers like you. <strong>EVERY ONE of my FREE forums was closed because of morons like you.</strong> So I'll focus on helping people who PAY me. And that's too bad, at a time when so many are losing their jobs, their homes, everything they have. If it wasn't for dimwits like you, maybe there would be more professionals volunteering their time and sharing their expertise free of charge for the benefit of all. I disabled comments. <strong>Congratulations, Jodi</strong>! Jodi, once again I get to document that the most abusive people are freeloaders and losers like you.

EVERY ONE of my FREE forums was closed because of morons like you.

So I’ll focus on helping people who PAY me. And that’s too bad, at a time when so many are losing their jobs, their homes, everything they have.

If it wasn’t for dimwits like you, maybe there would be more professionals volunteering their time and sharing their expertise free of charge for the benefit of all.

I disabled comments.

Congratulations, Jodi!

]]> By: jodi http://creditfactors.com/2008/09/myfico-composition-and-score-factors/comment-page-1/#comment-137 jodi Thu, 19 Feb 2009 23:59:14 +0000 http://creditfactors.com/?p=285#comment-137 Note: A winking emoticon denotes sarcasm or joking. Note: A winking emoticon denotes sarcasm or joking.

]]> By: jodi http://creditfactors.com/2008/09/myfico-composition-and-score-factors/comment-page-1/#comment-136 jodi Thu, 19 Feb 2009 17:51:59 +0000 http://creditfactors.com/?p=285#comment-136 I hope you understood my sarcasm in my last comment. I hope you understood my sarcasm in my last comment.

]]> By: jodi http://creditfactors.com/2008/09/myfico-composition-and-score-factors/comment-page-1/#comment-135 jodi Wed, 18 Feb 2009 23:53:13 +0000 http://creditfactors.com/?p=285#comment-135 Wow. You've displayed quite a professional attitude and demeanor ;) . Good luck with all of your endeavors. Wow. You’ve displayed quite a professional attitude and demeanor ;) . Good luck with all of your endeavors.

]]> By: Christine http://creditfactors.com/2008/09/myfico-composition-and-score-factors/comment-page-1/#comment-134 Christine Wed, 18 Feb 2009 23:49:16 +0000 http://creditfactors.com/?p=285#comment-134 ALL CAPS are intended to EMPHASIZE a word and that was my intention. Have to admit that I'm a bit frustrated that after 15 years of actively publishing the FICO and credit scoring issues on the web, I have yet to find a another credit PROFESSIONAL. Have you checked the page with my history? http://creditfactors.com/about/history/ There are links to some of my major projects including my submissions to regulators about the FICO scoring fraud and systemic credit reporting problems. If the regulators and legislators hadn't IGNORED me, we wouldn't have a credit crisis today. Anyway, my subscription site contains a lot more specifics on how to analyze FICO scores and I answer subscriber questions in the subscriber forum after they post the score factors and answer my questions. It's not MY fault that FICO scores and credit reporting are so screwed up and nobody can claim that I didn't do MANY times more than anyone else to change it. Sure, I failed. But what did YOU do to change the world? ALL CAPS are intended to EMPHASIZE a word and that was my intention. Have to admit that I’m a bit frustrated that after 15 years of actively publishing the FICO and credit scoring issues on the web, I have yet to find a another credit PROFESSIONAL. Have you checked the page with my history?

http://creditfactors.com/about/history/

There are links to some of my major projects including my submissions to regulators about the FICO scoring fraud and systemic credit reporting problems.

If the regulators and legislators hadn’t IGNORED me, we wouldn’t have a credit crisis today.

Anyway, my subscription site contains a lot more specifics on how to analyze FICO scores and I answer subscriber questions in the subscriber forum after they post the score factors and answer my questions.

It’s not MY fault that FICO scores and credit reporting are so screwed up and nobody can claim that I didn’t do MANY times more than anyone else to change it.

Sure, I failed.

But what did YOU do to change the world?

]]> By: jodi http://creditfactors.com/2008/09/myfico-composition-and-score-factors/comment-page-1/#comment-133 jodi Wed, 18 Feb 2009 23:19:19 +0000 http://creditfactors.com/?p=285#comment-133 Thanks. Please accept my apologies as I did not realize the intended purpose of your site. I do understand the important factors, but find no way to predict exactly how FICO will react. For example, I don't see anywhere where it tells me how adding an account to my report would either increase my score because of its' age or decrease my score because of my debt to income ratio. Just constructive criticism: You may want to curb your capital letters (they read like you're yelling) and potentially harsher language that could be misconstrued. Thanks. Please accept my apologies as I did not realize the intended purpose of your site. I do understand the important factors, but find no way to predict exactly how FICO will react. For example, I don’t see anywhere where it tells me how adding an account to my report would either increase my score because of its’ age or decrease my score because of my debt to income ratio. Just constructive criticism: You may want to curb your capital letters (they read like you’re yelling) and potentially harsher language that could be misconstrued.

]]> By: Christine http://creditfactors.com/2008/09/myfico-composition-and-score-factors/comment-page-1/#comment-132 Christine Wed, 18 Feb 2009 23:04:33 +0000 http://creditfactors.com/?p=285#comment-132 Jodi, sorry, I was busy with litigation and client work. I'm going to have to change how this site is set up because this blog is intended for credit PROFESSIONALS. Was hoping to find other professionals to document FICO scoring bugs and systemic credit reporting problems and create some awareness. Unfortunately, that didn't happen. "I can’t find any specifics on myfico.com on this subject." This blog is NOT working for consumers at all. Despite my many screenshots and explanations of how important the score factors are, you don't have the slightest idea what to do. Of course you're not in the credit/FICO scoring business and obviously totally new to this. Anyway, it would probably help to have the accounts reported, but I would never make any recommendations without reviewing the score factors. Jodi, sorry, I was busy with litigation and client work.

I’m going to have to change how this site is set up because this blog is intended for credit PROFESSIONALS. Was hoping to find other professionals to document FICO scoring bugs and systemic credit reporting problems and create some awareness.

Unfortunately, that didn’t happen.

“I can’t find any specifics on myfico.com on this subject.”

This blog is NOT working for consumers at all. Despite my many screenshots and explanations of how important the score factors are, you don’t have the slightest idea what to do. Of course you’re not in the credit/FICO scoring business and obviously totally new to this.

Anyway, it would probably help to have the accounts reported, but I would never make any recommendations without reviewing the score factors.

]]> By: jodi http://creditfactors.com/2008/09/myfico-composition-and-score-factors/comment-page-1/#comment-130 jodi Wed, 18 Feb 2009 18:12:37 +0000 http://creditfactors.com/?p=285#comment-130 I posted something here yesterday and it posted, but today I don't see it. Any idea what happened? I posted something here yesterday and it posted, but today I don’t see it. Any idea what happened?

]]> By: jodi http://creditfactors.com/2008/09/myfico-composition-and-score-factors/comment-page-1/#comment-128 jodi Tue, 17 Feb 2009 18:01:35 +0000 http://creditfactors.com/?p=285#comment-128 Thanks, Christine. I can't find any specifics on myfico.com on this subject. The loan is 7-years-old, original balance was $17000 and current balance is $7500. Other accounts on report are in good standing, but not as old as the student loan. A 4-year-old credit card account is present and still open, and a 9-year-old account was positive but is now closed. Thanks, Christine. I can’t find any specifics on myfico.com on this subject. The loan is 7-years-old, original balance was $17000 and current balance is $7500. Other accounts on report are in good standing, but not as old as the student loan. A 4-year-old credit card account is present and still open, and a 9-year-old account was positive but is now closed.

]]> By: Christine http://creditfactors.com/2008/09/myfico-composition-and-score-factors/comment-page-1/#comment-127 Christine Sun, 15 Feb 2009 09:24:38 +0000 http://creditfactors.com/?p=285#comment-127 Jodi, there's no point to disputing an account that's NOT reported. You CAN ask the LENDER to report. But I highly recommend that you review the FICO score factors and reports (all 3) and ANALYZE the information BEFORE requesting that the accounts be reported. Whether the accounts would help or hurt depends on the specifics for the students loans (balances, original balances, age) AND the other accounts on the report. Jodi, there’s no point to disputing an account that’s NOT reported.

You CAN ask the LENDER to report.

But I highly recommend that you review the FICO score factors and reports (all 3) and ANALYZE the information BEFORE requesting that the accounts be reported.

Whether the accounts would help or hurt depends on the specifics for the students loans (balances, original balances, age) AND the other accounts on the report.

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