| No, just no, this is complete and total nonsense. FICO publishes exactly what makes up your credit score, straight from the horse's mouth: https://www.myfico.com/credit-education/whats-in-your-credit... The FCRA gives you the right to know what is in your file In addition, the FCRA gives you the following rights (not inclusive): -You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit,
insurance, or employment – or to take another adverse action against you – must tell you, and must give you the name, address, and phone number of the agency that provided the
information. -You have the right to dispute incomplete or inaccurate information -Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. -Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than
seven years old, or bankruptcies that are more than 10 years old https://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-r... So if you get denied a mortgage, you'll know why, and it certainly won't be because you drive by a pawn shop. |