> when I worked for a financial institution, the history was not really considered. It was assumed to be factored into the score I would appreciate the specifi

> when I worked for a financial institution, the history was not really considered. It was assumed to be factored into the score I would appreciate the specifics. You can email them to me if you want. Handle at gmail. In my personal experience, the history is absolutely considered when the risk to lender is high. $50k unsecured loan? Sure. 780+ score? Good to go. When I apply for a $250k loan from a lender with billions of dollars in reserve, they look at cashflow and the score. If I have a 780+ score on the day they pulled the score, I qualify for preferred rates. When I apply for a $250k loan from a local credit union with a few million in reserve, they look at income and the history. Even if managed to have a 780+ score on the day they pulled the score, my little games from 90 days before to game the FICO model draws scrutiny and my rates are normalized to rates sans if I didn't play those games (which I dont anymore because the local credit union has the best deal always).