Quote:
Originally Posted by cjtx
If myfico can't even fit the right text into a simple mold, how are they supposed to feed the right data into their secret model?
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Myfico is trying to fit 3 different bureaus into one simple mold. That doesn't mean the score is calculating on the visible report. One simple example is the DOFD - it is not visible, but FICO has the info when it does its calculations.