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This is an oft passed around urban legend, but it's not true. You can try for yourself by opening up a free CreditKarma account and seeing what happens if you z
by harryh 7y ago
This is an oft passed around urban legend, but it's not true. You can try for yourself by opening up a free CreditKarma account and seeing what happens if you zero out all your balances.
- rootusrootus 7y agoI'd take that with an entire shaker of salt; you are assuming CreditKarma knows the FICO formulas. Even the prediction engines used by the actual credit bureaus are notoriously unreliable at telling you what will happen given a particular change in inputs. Probably not accidental, they don't want to expose the algorithm.