FICO makes public what their algorithm takes into account so we done even have to guess! http://www.myfico.com/CreditEducation/ http://www.myfico.com/CreditEdu

FICO makes public what their algorithm takes into account so we done even have to guess! http://www.myfico.com/CreditEducation/ http://www.myfico.com/CreditEducation/ And even has an estimator! https://www.myfico.com/ficocreditscoreestimator/estimator.aspx https://www.myfico.com/ficocreditscoreestimator/estimator.as...