This answer is from Who knows the "Secret Formula" used to compute your FICO score?
Paul Kennard said
The two people on FiLife who know the most about how FICO scores are calculated are:
Dean Binder http://www.filife.com/user/Dean
&
Dave Hanson http://www.filife.com/user/Dave+Hanson
Either one of these guys will be able to answer any question you have.
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